vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Experian, tranunion, equifax, these are the credit burrows I'm having issues with.ive reached out to tell then all negative marks on my report are fraud even presented screenshots of the negative marks on credit report and there reply was we don't have your information on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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've recently checked my credit report and noticed some inaccurate accounts reporting inaccurate dates opened.

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 2025-03-23 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: GA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting inaccurate dates opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida, XXXX XXXX XXXX XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear Jefferson Capital Systems LLC, I am writing in response to your call dated XX/XX/XXXX, regarding the alleged debt referenced as XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. 
Please provide the following information : Verification that you have the legal right to collect this debt. 
The name and address of the original creditor. 
A detailed breakdown of the amount owed, including any fees or interest. 
Copies of any signed agreements or contracts proving my obligation to this debt. 
Proof that the debt is within the statute of limitations. 
Until proper validation is provided, I request that all collection activities be ceased, including reporting to credit bureaus. Please send your response in writing to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge. 
3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-23 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: NC

Complaint narrative:
XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge. 
3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently vacationed in XXXX XXXX in XXXX of XXXX. I noticed repeated unauthorized charges from XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$57.00} and XX/XX/XXXX for {$57.00} ( also in hindsight noticed one on XX/XX/XXXX for {$59.00} but too much time had passed ). I have been very careful when travelling to XXXX because of previous experiences with card fraud ( skimming and cloning ) so When I noticed these charges I locked my cards down and submitted a dispute claim when I returned home from vacation. On XX/XX/XXXX I noticed the charges were re-instated with no letter or statement from Chase in my online documents. I am requesting a full accounting of the investigative steps taken and any contact information for the vendor XXXX XXXX XXXX. I obtained the Chase Sapphire Reserve for added protections from these exact kind of problems when traveling and it's disheartening that even with the Visa " XXXX Liability Policy '' I'm having such a hard time finding relief. Using the " travel card '' while traveling should provide a sense of security against fraud, but now I'm finding myself worried and anxious about using this card abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I Am filing a complaint against Cash App XXXX Block XXXX Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App Failed to take timely and effective measures to prevent and address XXXX on their platform, leaving my account vulnerable and unprotected. Furthermore. Their Dispute Resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, seek appropriate redress for these Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
Cfpb sues Experian 15 usc 1681. Breaking FCRA s law ) please see XXXX XXXX XXXX on my Experian account they continue to scam consumers reports. Failure to conduct proper investigation of disputes

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
The beginning of XXXX my mailman handed me a letter from Midland Credit Management XXXX XXXX XX/XX/XXXXXXXX ending in XXXX ) this letter was addressed to me however the address on it was incorrect, The letter was a legal notice threatening me to pay a debt of XXXX that I have never heard of, to respond by XX/XX/year> to avoid legal process, I then called them and asked to dispute this fraudulent account and notified them that they had wrong information like my address and they did not want to help me. Since then I have received multiple calls from Midland Credit Management and when I answered they hang up or they call and when I asked them to not call me again they state they are looking for someone else I have filed an FTC report yet they continue to call with harrassment. Today the mailman had a letter addressed to me with a wrong address again. Please see the attached ID with correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the
Departments responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 
This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 
I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency.

Additionally, with the recent actions taken by the XXXX  agency, my FERPA rights have been violated by release of personal information including social security number and financial information. 

Please respond in writing with your position and any available dispute resolution options. 
Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act, specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit FTC Report Number # XXXX, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans through MOHELA and also XXXX grants. It has come to my attention that XXXX XXXX, XXXX, and young unqualified teenagers and individuals/entities associated with him, accessed sensitive student loan information without proper authorization. This breach of privacy and potential violation of data protection laws is deeply concerning and requires immediate investigation. 
This unauthorized access, starting somewhere around XX/XX/year>, has caused significant distress and raises serious concerns about the security and privacy of sensitive financial and personal information. It also undermines trust in the systems designed to protect such data. 

**Requested Actions : ** **Requested Actions : ** 1.Conduct a thorough investigation into this incident and identify the parties responsible for the unauthorized access.

2.Provide a detailed report of the findings and the steps being taken to prevent future breaches.

3.Notify all affected individuals and offer support, such as credit monitoring services, to mitigate potential harm.

4.Ensure compliance with all applicable data protection laws and regulations, including, the Family Educational Rights and Privacy Act ( FERPA ) , Gramm-Leach-Bliley Act ( GLBA ), and state privacy laws. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide information on the next steps in the investigation process. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX File Number : # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX was placed on my credit file on XX/XX/XXXX and was deleted approximately on XX/XX/XXXX with an alleged balance of {$4900.00} after buying the alleged debt from Exeter Finance LLC fraudulently. As XXXX is not licensed as a debt collection company in the state of Illinois after researching Illinois Department of Financial and Professional Regulation license look and XXXX  Consumer Access at the list of businesses established in Illinois. And XXXX  has XXXX XXXX violations and discrepancies making the contract void. Between XX/XX/XXXX & XX/XX/XXXX my XXXX credit report stated XXXX collections. On XX/XX/XXXX XXXX reported on my credit file. According to 15 U.S.C. 1681s-2 of the FCRA, if previously removed is reinserted into a credit report, the credit reporting agency is required to notify the consumer within XXXX business days of the reinsertion. I have not received any notification regarding XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. XXXX failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice is required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). XXXX broke commercial law under XXXX XXXX that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. XXXX failed to give me my " XXXX '' XXXX days prior to placing this derogatory item on my XXXX report, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that IL state attorney general can enforce a {$1000.00} penalty. XXXX purchased fraudulent contract. My deposit was never added. And there are discrepancies in their accounting and inflated reporting on the actual balance of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Today XX/XX/XXXX, I Called CashApp customer support for help with the fraudulent transactions, informed them that I have been a VICTIM of fraud but instead of HELPING me they closed my BUSINESS ACCOUNT with NO REASON or PROOF of breaking cash apps guidelines. EVERY transaction from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I DID NOT make myself and I do have the necessary proof to back my statements. I in fact could not use Cash App myself because once they closed my account for fraudulent reason, I then deleted the app and when I went to redownload the app, it would not let me redownload it from the XXXX XXXX XXXX Today On XX/XX/XXXX, I was finally able to redownload Cash App. As I signed in I noticed another unidentified device was signed in on my account and that the account balance was negative - {$650.00} USD. I then QUICKLY signed the unidentified device out and changed the account PIN and PASSWORD and proceeded to call Cash App customer support. And with little to no help, they told me they couldnt do anything about that, I then proceeded to ask for information or a contact number or web link that I can go or talk to about the XXXX Cash App Supplement Claim for Account users that have been a VICTIM of the Cash App Fraud, those whove been Mistreated/Misinformed by Cash App, users that that have lost money RANDOMLY without being able to see where its coming from nor being able to dispute any of the fraudulent transactions because They Did Not Send My Dispute Through Thoroughly like they are SUPPOSED to. I trusted Cash App as it was my only business bank account at one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I was going to XXXX ( XXXX XXXX XXXX ) I DID take out a few loans but there are a ton of unauthorized loans in my name that I did not take out and I have requested to have the original contract sent to me and it has not been done. I know they used to let people take out loans via fax with just a copy of a ID card and I never did such a thing and I demand that they remove those loans from my credit report

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