vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The letter is a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) against Kimball , Tirey & St John LLP for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). The complaint details how the company unlawfully reported an unvalidated debt to credit bureaus and failed to comply with multiple written requests for debt validation, violating consumer protection laws. Despite multiple certified letters requesting validation, the company did not provide the required documentation but continued reporting the debt to credit agencies. The complainant also disputed the debt with XXXX, XXXX, and XXXX, and XXXX confirmed that the company falsely verified the debts accuracy. The letter demands that the CFPB investigate the firm, impose penalties, order the removal of the unverified debt, and require a compliance plan to prevent future violations. The complainant has attached supporting documents and emphasizes their intent to escalate the matter legally if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXXXXXX 2025 - received 3 letters from Dept of Education showing i exceeded number of payments to have my loans forgiven under XXXX XXXX XXXX tracker on Dept of Ed website says to make no more payments. 

XX/XX/XXXX/25 - Contacted Aidvantage to report this and ask how I can show them this update XX/XX/XXXX25 - Aidvantage responds via official inbox saying they do not show XXXX forgiveness has been achieved or received the records from Dept of Ed. Told me it takes several week. 

XXXX/XXXX/25 - Contacted Aidvantage customer service and they told me the same thing. Won't accept official letters from Dept of Ed from me despite me receiving 3 of them. Said im stuck in forbearance until Dept of Ed contacts them directly. And won't work with me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received mail on XX/XX/XXXX, XXXX I will be sued in small claims court by Portfolio Recovery Associates , LLC XXXX I had no proper notifications of any debts by this company and now I'm being harassed by multiple law firms to represent me for this lawsuit. This amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-02-07 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: TX

Complaint narrative:
Requested validation and verification of debt for two accounts and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with Experian and accounts remained on my reports without any validation or verification proof.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
At this point, Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Need help with credit I do t know what Im doing never dealt with credit I dont know who I owe or what is on my account just looking for guidance thats all thank you so much and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I applied for a no doc business line of credit using my personal social security number only for the bank to request documents and later deny me because the business does not have income. This loan was misleading as it was a small line of credit for start of businesses. The loan requirements are misleading. I would like the inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I have identified an inaccurate item on my TransUnion credit report and have made multiple attempts to have it removed. However, after submitting a dispute to TransUnion on XX/XX/XXXX, they responded on XX/XX/XXXX directing me to your XXXX for further assistance. The disputed item, listed under XXXX XXXX XXXX with an account number XXXX, is incorrect because the balance is inaccurate. I have also contacted XXXX XXXX XXXX to resolve this issue, but I have not received a satisfactory resolution. This inaccurate entry is negatively impacting my credit score, and I am requesting the CFPB to investigate this matter and ensure TransUnion properly reviews and removes the incorrect item. I have attached supporting documentation, including my initial dispute letter to TransUnion, their response, and any relevant evidence proving my claim. I appreciate your prompt attention to this matter and request updates via email at XXXX or by phone at 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 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was harassed by XXXX over a vehicle I had no control over when my spouse passed away and I was harassed by XXXX over a t mobile bill I haven't had t mobile in about XXXX years I disputed multiple times they keep dropping my credit score.

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 2025-02-07 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: LJ Ross Associates
State: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section 1681b prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation.

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section 1681b prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation.

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.

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 2025-02-07 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: Capio Partners, LLC
State: TX

Complaint narrative:
Subject : Request for Removal of Medical Debt from Credit Report XXXX XXXX XXXXXXXX ( {$2300.00} ) original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$1900.00} ) original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT ( XXXX ) XXXX XXXX {$1000.00} ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to bring your attention to the recent change in federal regulations regarding medical debt reporting. As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has implemented new guidelines which mandate the removal of all medical debt from consumer credit reports. 
According to these new regulations, any medical debt that has been reported on my credit report should now be removed as it no longer meets the criteria for inclusion under the revised CFPB guidelines. 
I respectfully request that you review my credit report and ensure the removal of any medical debt as required by this new policy. Please confirm in writing once these changes have been made. 
Thank you for your prompt attention to this matter. Should you need any additional documentation or information to facilitate this process, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief