vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
Last reported XX/XX/XXXX balance of XXXX I am writing to formally request the removal of a student loan debt from my credit report that was opened on XX/XX/XXXX. Despite submitting this loan under the Biden Administration 's student loan forgiveness program, the debt has not been removed from my credit report, causing significant financial and reputational harm. 

Violations of Consumer Rights 1. Failure to Update Credit Reports : - The lender has failed to update my credit report to reflect the forgiveness of the student loan debt, which is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA requires that credit reporting agencies and lenders provide accurate and up-to-date information on consumer credit reports.

2. Misrepresentation of Debt Status : - By leaving the debt on my credit report, the lender is misrepresenting my financial status, which can lead to higher interest rates, denied credit applications, and other negative financial consequences. This is a violation of the FCRA and the Consumer Financial Protection Act ( CFPA ), which prohibit unfair, deceptive, or abusive acts or practices.

3. Lack of Communication : - The lender has not provided clear and timely communication regarding the status of my loan forgiveness application and the updates to my credit report. This lack of transparency is a violation of the CFPB 's requirement for lenders to provide consumers with accurate and timely information about their financial products and services.

Impact on My Financial Situation - Credit Score Damage : The presence of this debt on my credit report has negatively impacted my credit score, making it difficult to secure favorable terms for other financial products.

- Financial Stress : The ongoing presence of this debt has caused significant financial stress and uncertainty. 
- Reputational Harm : The inaccurate reporting of my debt has affected my reputation with other financial institutions and potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I mailed a written dispute and debt validation request to Fidelity National Collections in response to a {$740.00} debt they were attempting to collect on behalf of XXXX XXXX XXXX. This letter was sent via USPS Certified Mail and was received and signed for on XX/XX/year>. I retained the tracking number, delivery confirmation, and signed green card for proof of receipt. 

Despite receiving my timely dispute, the collection agency and/or the hospitals legal counsel filed a lawsuit against me on XX/XX/year> just two days later without ever providing a response or validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I believe this legal action violates my rights under the FDCPA, as collection activity ( including lawsuits ) must cease until the debt is validated once a timely written dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX SSN ( Last 4 Digits ) : XXXX XXXX : XX/XX/XXXXXXXX  Phone : XXXX Email : XXXX Date : XX/XX/XXXXXXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries - FCRA and Metro 2 Compliance Violation To Whom It May Concern, This letter serves as a formal dispute and demand for the removal of unauthorized hard inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), Section 604, and Metro 2 compliance standards. 

Upon reviewing my credit report, I noticed multiple hard inquiries dated XX/XX/XXXX, from companies with whom I never applied for credit or gave written authorization to access my credit file. The following inquiries were made without my consent and are therefore unauthorized and unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) As per FCRA Section 604 ( a ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose. I did not initiate any credit applications, authorize these institutions, or provide any consent for the inquiries listed above. 

Furthermore, under Metro 2 standards, inquiries must reflect accurate, verifiable data, and furnishers are required to maintain auditable records of consumer authorization. I formally request that you provide proof of permissible purpose for each inquiry, including : 1. A copy of the application or signed authorization form ; 2. Name and contact of the person or department that initiated the inquiry. 

If you are unable to provide this information within 30 days as required by the FCRA, these inquiries must be immediately deleted from my file. 

If this dispute is not resolved within the legally required time frame, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general for further investigation and enforcement. 

Please send written confirmation once the inquiries have been removed or fully validated. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
My information was apart of the Equifax and XXXX XXXX XXXX data breach and I'm a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was apart of the Equifax and XXXX XXXX XXXX data breach and I'm a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 
Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
Don't know how to get out of a proprietary loan that I took out on XX/XX/XXXX for {$5000.00} as a title loan with Loan Mart, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I did not understand the terms of the loan and now find out that I am being charged an interest rate 77.51 %. My car is a XXXX XXXX XXXX. It was recently repossessed because I missed XXXX payments. A family member helped me make the payments necessary to retrieve my car but now I can't afford to make payments. 

The account # is XXXX. 

I asked for a payment amount and was shocked to learn that the amount to payoff the loan is {$11.00}, XXXX. This is a XXXX payoff amount dated XX/XX/XXXX. I was shocked to learn that I owned double the amount of the original loan. 

What options do I have to get out of this unfair title loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 ( 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 deceptive, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an XXXX XXXX XXXX account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of proof of payment and a copy of my report to this complaint on the following dates, XX/XX/XXXX and XX/XX/XXXX. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
Information is incorrect on report per FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I opened a business checking account on XX/XX/year>. I was asked to fund the account, which I did in addition to enrolling into online banking. At first all was ok, i was able to login from the mobile app. However, when i attempted to login from my office computer, i was locked out. I contacted the rep and spoke to XXXX, who was kind. She informed me that the account was locked out by the " fraud team '' XXXX XXXX XXXX XXXX XXXX XXXX ) for a reason she's unable to provide. She stated that I would have to wait for 48 hours to access which is insane! Currently we are unable to access the account and I am glad that we did not transfer a larger amount. This seems to be a major issue for US Bank per XXXX and other complaints filed with the CFPB. The Executive team really needs to evaluate this " policy and terms '' as it is causing you guys to lose clients.

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 2025-04-22 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: CA

Complaint narrative:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these 3 accounts attached to the FTC report have been reinserted illigally back onto my consumer creditreport. This reassertion is not permitted unless the furniture certifies the information as accure and is nolt the resultof identity theft, and I am provided written noticeat least 5 business days before the information is reinserted. FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforted! 15 U.S.C 6801 saysthat thesefinancial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for ir to be reportedas in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity for this information to even appear on my consumer report which is totally illegal! Please block under 605b 4 days block and remove from my consumer credit reports.

Company response to consumer: Closed with non-monetary relief