vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: 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 explanation
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
In early XX/XX/year> I found an advertisement on XXXX that offered a home for rent. I contacted the supposed renter and we spoke on the deposit, qualifications, and rent. He said that he was out of town and had a management company to handle the property affairs. I had to create a profile on the website and after paying the first deposit he unlocked the door virtually so I thought. The deposit was {$500.00} and after inspecting the place I sent another {$500.00} and then awaited his friend to arrive with the keys but he nor his friend never came after many failed attempts. Upon realizing I was scammed I went home and filed a complaint with cashapp through the chat portal customer service. They denied my request and told me it was nothing they could do. Attached is the file of my bank statement to XXXX  which was the company name of the fraudulent landlord. Thank you for your time and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization on XX/XX/year>. 

The Family Educational Rights and Privacy Act ( FERRPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and the responsibility of the institution Edfinacial Services to safeguard my personal information.

Given the severity of this breach and the resulting compromise of my personal and financial information I am reporting this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: KY

Complaint narrative:
Achieve in XXXX XXXX has been calling me 2 to 3 times a day every day. They are still contacting me to pay a debt that has been paid and is current. They have called me twice today ( XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX, I submitted XXXX disputes through Experian to XXXX different companies ( XXXX XXXX XXXX  ), ( XXXX XXXX ), ( XXXX ). These accounts have been written off, I never received a tax form for either companies and they still have not remove nor deleted these accounts. The investigation did not take 30 days. Ive been trying for years to get XXXX XXXX XXXX and XXXX XXXX off of my credit report through all 3 credit agencies due to accounts being written off on taxes but are still having an amount owed.

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 2025-02-14 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: MI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously disputed and successfully had the following fraudulent accounts deleted from my credit report : XXXX XXXX  ( XXXX ) and XXXX XXXX  ( XXXX and XXXX ). These accounts were removed from my XX/XX/year> credit report after multiple disputes. However, despite their deletion, they have now reappeared on my XX/XX/year> report. This repeated cycle of deletion followed by reinsertion demonstrates a clear failure to maintain accurate consumer reporting and a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ), a previously deleted account can not be reinserted unless the furnisher certifies its accuracy, and I receive written notice of the reinsertion within five business days. I have not received any such notification, which constitutes a direct violation of this requirement. Additionally, the failure to prevent the unauthorized reinsertion of these accounts violates 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. What makes this situation even more concerning is that only TransUnion has reinserted these accounts. As shown in the attached documents, XXXX and XXXX have not reported them, which further indicates that TransUnion has failed to ensure proper verification and compliance with the FCRA. The inconsistency in reporting among the credit bureaus highlights a lack of reasonable procedures and is causing significant harm to my credit profile. These violations expose the responsible parties to liability under 15 USC 1681n, which allows for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. The continued reinsertion of these fraudulent accounts is causing ongoing harm to my financial reputation. I demand the permanent removal of these accounts from my credit report to prevent further damage. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions. I also request written confirmation that these fraudulent accounts have been permanently removed and an explanation of the measures being taken to ensure compliance with FCRA standards moving forward.

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 2025-02-14 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-02-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit 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 fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute and Demand for Immediate Removal FCRA Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX appearing on my credit report. This account is erroneous and has caused significant financial harm, including denial of credit cards, auto loans, and increased interest rates. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and your legal duty to maintain accurate reporting. 

Violations of FCRA : Failure to Maintain Maximum Accuracy 15 U.S.C. 1681e ( b ) Credit reporting agencies are required to ensure that all information on a consumers credit file is accurate and up to date. The presence of this incorrect account demonstrates noncompliance with this legal obligation.

Failure to Properly Investigate Disputed Information 15 U.S.C. 1681i Under this provision, you are legally required to conduct a reasonable investigation upon notice of a dispute. Failure to remove unverifiable or inaccurate information within the legally allotted timeframe is a direct violation of this statute.

Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o Your failure to correct this error despite my previous disputes and the clear inaccuracies on my report subjects you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and possible punitive damages for willful noncompliance. 
DEMAND FOR IMMEDIATE REMOVAL : As per the FCRA, if an account can not be verified, it must be permanently deleted from my credit report. Therefore, I am demanding the immediate deletion of this account within 5 days of receiving this letter. 

Failure to act accordingly will leave me no choice but to escalate this matter through legal proceedings, where I will seek compensatory and punitive damages for your continued negligence in reporting inaccurate information. 

Enclosures : Copy of my credit report with the disputed account highlighted Supporting documents demonstrating the inaccuracy of the account Proof of identity This is your formal notice under the Fair Credit Reporting Act. You have been made aware of your violations and must take immediate corrective action. Please confirm in writing that this account has been removed permanently from my credit report. 

Sincerely, XXXX XXXX This letter is firm, legally backed, and demands urgent action. Let me know if you need any modifications or additions!

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed complaint against equifax, XXXX, and XXXX  in XX/XX/XXXX. XXXX and XXXX did the right thing and corrected my credit report. Equifax refused to make correction and then refused to help unless I sent all info by us mail. What is vindictive is Equifax changed reporting date of from XXXX to XX/XX/XXXX on my credit. They did this not as an oversight but to punish me for not accepting their answer. This revolved around a XXXX I filed but changed my mind and cancelled it was in XXXX so why is Equifax mysteriously changing the date to XXXX. This resulted in an almost XXXX point difference in my credit score XXXX at XXXX  and XXXX and XXXX at equifax. I have no collections or past due accounts. Equifax should bve ashamed of them selves for playing games because I filed grievance on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX, attempting to collect a debt allegedly owed to XXXX XXXX in the amount of {$8100.00}. 

On XX/XX/XXXX, I formally disputed the debt via certified mail and requested full validation, including : Proof that XXXX & XXXX had the legal authority to collect the debt. 
A detailed breakdown of charges and how the amount was calculated. 
Documentation showing the legal transfer of the debt, if applicable. 

XXXX XXXX XXXX XXXX XXXX XXXX never responded to my dispute and instead, without validation, transferred the alleged debt to Columbia Debt Recovery LLC XXXX XXXX  XXXX ). 

On XX/XX/XXXX, I received a collection notice from Columbia Debt Recovery LLC, attempting to collect {$7100.00} for the same alleged debt. 

On XX/XX/XXXX, I sent a new formal dispute letter via USPS Certified Mail ( Tracking # XXXX ) to Columbia Debt Recovery, demanding proper validation before any further collection attempts. This letter was delivered on XX/XX/XXXX. 

Under FDCPA 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity until they provide proper validation of the debt. However, Columbia ignored my dispute and instead : XX/XX/XXXX Columbia Debt Recovery continued collection efforts without validating the debt, in violation of FDCPA 15 U.S.C. 1692g ( b ).

January 20, 2025 Columbia Debt Recovery responded to my dispute, but only provided : A copy of my lease agreement with Society XXXX ( which does not prove that I owe the alleged balance ). 
An itemized statement with excessive and unverified charges. 
XX/XX/XXXX I sent a follow-up email requesting proper validation, including : Proof that Columbia Debt Recovery has the legal authority to collect this debt. 
Evidence that XXXX & XXXX had the right to transfer this debt. 
Invoices, receipts, or documentation justifying the balance. 
Columbia Debt Recovery ignored my follow-up email. 

XX/XX/XXXX Columbia Debt Recovery placed the debt ( {$7200.00} ) on my credit report despite never validating the debt, causing a significant drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2025 I purchase {$260.00} worth of items from the Merchant XXXX and they were supposed to come in two separate packages, my first package with {$55.00} worth of clothing was stolen from a United States Postal Service ( USPS ) truck in which USPS sent me an email letting me know this occurred because I filed a claim with them about my missing package. I then filed a claim with my bank Chase and relayed all this information on XX/XX/2025 and they credited me the {$260.00} while they conducted their investigation. On XX/XX/2025 i received a notice saying my claim was unfounded and the credit of {$260.00} would be removed in full. I called Chase and spoke to a representative and they told me I could file an appeal and upload the documentation proving my items were stolen which I did, however, on XXXX XXXX they sent me a notice informing me my claim was unfounded again and I would have the amount still removed in full. I called my bank Chase again and explained Im not claiming the entire {$260.00} only the {$55.00} for the items I never received but they told me the merchant XXXX has a contract that doesnt allow refunds so I would need to talk to USPS about the refund. USPS will not give me a refund for the items, all they do is say theyll open an investigation and send you an email stating your items were stolen, and thats if you even get in contact with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
My identity was stolen. The credit people keep selling my info to other companies with out my permission.

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