vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXXand 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I called cash app because I had unauthorized phone on my cash app XXXX  XXXX XXXX ask them to remove them unauthorized phones that where on my cash app XXXX XXXXXXXX undoing so they removed mine also now I can't get into my cash app so u called them and told them about this They told me to make a new cash app I did so they told me they would send my new cash tag XXXX XXXXXXXX to my old so I could get in to it well I did all this my gov.id match on both cash app My linked debit card is on both cash apps .y XXXX. XXXX is on both cash apps there tell me for security reason I can't get my mob e y Well now I have kids I ha e to buy food for I have rent I have to pay on that's my security they don't care but that it's there employees mess up not mine they took my info off there selfs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been dealing with multiple inquiries from your company on my credit report that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. 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 2025-01-10 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: NV

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. 

Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by First Progress that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. 
Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX  {$5000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Funding {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided.

Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. 
Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent.

Requested Resolution : I request that : All unauthorized inquiries be removed from my report.

Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. 
The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance.

I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am Listing XXXX Fraudulent inquiries from my Transunion credit report. XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> the listed inquiries do not belong to me and must be removed from my Trunsunion credit report. I had a call with all companies and credit reporting agency and was adviced to fill identity theft report for deletion.I am reporting Transunion to mark listed inquiries as fradulant and remove them 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 2025-01-10 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: TN

Complaint narrative:
What Happened? 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
What Happened? 

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXXXXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX ( g ) ( XXXX ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized user stole my existing cell phone number and was able to obtain a one-time passcode to change the existing password for existing Experian account. With that access, she removed the pre-existing credit-freeze, applied for and was granted a new credit card ( multiple purchases made ), and changed the password ( preventing me from correcting the problems ). I made XXXX phone calls to Experian within a XXXX window to try to talk to a human to correct the problem and reset my password : all phone numbers connect to the fraud department ( which had already been reported ) and all the agents told me they would have to transfer me to the " membership department '' to correct the password. All the transfers put me into an automatic system that only offered tasks that were not relevant. XXXX prompts like " emergency account access, '' " account takeover, '' etc. were useless. The automatic system stated it could not transfer me to a human unless certain circumstances were met ( undefined ) and hung up on me. All the agents told me the ONLY team that could help is the membership department but NONE of them could CONNECT ME to that department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
Synchrony bank wants me to contact some sketchy XXXX party associate of theirs instead of them fixing an account access problem relating to my phone number. The XXXX is on synchrony and it is incumbent on them to not deprive customers of account access. 

I am not a XXXX customer as far as I am concerned and I have no business calling them or divulging protected information to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credence Resource Management regarding their failure to properly validate a debt that they claim I owe. This matter has been ongoing for over a year, and I believe their actions constitute a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I first became aware of the alleged debt when I was contacted by Credence Resource Management. Since then, I have requested validation of this debt multiple times, as is my right under the FDCPA. However, the only documentation I have received from them is a statement showing a balance, which does not constitute adequate validation of the debt. 

The FDCPA requires debt collectors to provide specific information to validate a debt, including the name of the original creditor, the amount owed, and any supporting documentation that confirms the validity of the debt. A simple statement showing a balance does not meet these requirements, nor does it provide sufficient evidence that the debt is legitimate or that Credence Resource Management has the right to collect it. 

Despite my repeated requests for proper validation, Credence Resource Management has failed to provide any additional information or documentation. This lack of response and failure to validate the debt has caused me significant stress, confusion, and concern about my credit report. The presence of this debt on my credit report, without proper validation, is damaging to my creditworthiness and overall financial health. 

I urge the CFPB to investigate this matter and take appropriate action against Credence Resource Management for their non-compliance with the FDCPA. I believe that their actions are not only unfair but also unlawful, as they are failing to uphold their obligations to provide proper validation of the debt. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Ongoing issues with the XXXX website since it was overhauled in XXXX, resulting in ongoing difficulty accessing my account and making my mortgage payments. This was previously the subject of a prior complaint, ID XXXX XXXXXXXX. 

As can be seen in this screen recording linked below, upon entering my username and password, I get the message " Sorry, something went wrong. '' I am totally unable to access my account through the website. 

https XXXX XXXX XXXX This already had led to missed payments back in XXXX XXXX and a " More than XXXX  days late '' mark on my credit report, causing a significant decrease in my XXXX XXXX. After filing complaints with XXXX  and the Consumer Financial Protection Bureau detailing this issue, the late fees were removed and the negative credit reporting appeared to have been retracted, but the technical issues continued. 

I resorted to having to wait on hold to speak with a live agent in order to make my payments. In XX/XX/XXXX, I managed to access my account via the browser on my phone and attempted to schedule my payment for the month. It appeared to have worked, but in early XX/XX/XXXX I received an alert from XXXX that my XXXX XXXX had dropped, and it was due to my Pennymac account being, once again, marked as " XXXX  Days Late '' because the XXXX payment had not actually gone through. I believe the technical issues with their site extend to the mobile version and that is why my payment did not go through. I also did not receive any notification from them when the payment would have initially been deemed over due ( after XX/XX/XXXX ). I get emails from them almost daily but, even double checking my inbox now, I never got anything alerting me to the overdue payment. If I had, I could have at least addressed it before it was over XXXX  days late and impacting my credit. So, there is now a new late fee ( which they will not waive ) and my XXXX XXXX dropped by XXXX points due to these issues ( which they claim they can not do anything about ).

Company response to consumer: Closed with explanation