vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than recor
ds of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I recently was approved for loan forgiveness through the XXXX program which is great news. However, while my application for XXXX was in process, I was required to make payments in excess of the required XXXX payments and thus " overpaid '' by about {$4000.00}. I have been trying for months to get Mohela to issue a refund of this money but have been unsuccessful. My loans were forgiven XX/XX/XXXX and the overpayments were made in XXXX. Each time I have called Mohela about the refund, I have been told that they are " looking into it. '' Today, I have been on hold ( so far ) for XXXX hours and XXXX minutes without being able to speak to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unfair Reporting and Failure to Adjust Credit Report Complaint Details : I am writing to file a complaint against XXXX XXXX XXXX regarding my account ( Account Number : XXXX ). I have had a negative experience with their handling of my credit report, particularly regarding two late payments that occurred due to financial hardship caused by the XXXX pandemic. 

In 2020, I experienced significant difficulties when I lost my job due to XXXX and was unable to work for XXXX weeks. This caused me to fall behind on several bills, including my account with XXXX XXXX XXXX. I explained my situation and requested that they remove the late payments from my credit report as a goodwill adjustment, given the exceptional circumstances. 

XXXX XXXX XXXX agreed to remove one of the late payments, but despite their promise, they have failed to remove the second late payment. They have since stated that they can not remove it because the XXXX pandemic is " over, '' which I believe is unfair and unjust given the circumstances I faced. The late payment in question occurred during a time when I was out of work and struggling financially. 

I am requesting that XXXX XXXX XXXX follow through on their promise to remove the second late payment from my credit report, as it was a direct result of the unprecedented impact of XXXX. I believe they should honor their initial agreement and make the appropriate goodwill adjustment to my credit report. 

Thank you for your assistance in resolving this matter. 

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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-09 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
This account is considered canceled debt, the company filed it on their taxes and did not send me 1099c but is also reporting it on my credit report. This account is inaccurate and a violation to my right. Please delete now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I was a victim to identity theft and filed the FTC report, which is attached below in XXXXXX/XX/XXXXXXXX. On XX/XX/XXXX, I had a charge from XXXX and XX/XX/XXXX, XX/XX/XXXX on my SOFI account. I disputed these charges on XX/XX/XXXX with a representative for fraud. They denied my claim, even with the FTC report. Then XX/XX/XXXX XXXX took {$1700.00} from my account and I filed another dispute on XX/XX/XXXX with the FTC report included. They denied my claim again. They refused to provide me with any information used to determine this or acknowledge that identity theft took place. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Repeatedly I have tried to gain information regarding a debt from Credence Resource Management LLC, that is on my credit report. Instead of providing the details they insist they have no record of this debt and need more information. I responded saying if they need any information they can contact me BY US MAIL ONLY with the address I provided. Instead of doing such they repeatedly spam my email with the same email and do not listen to my request nor have given me any of the information I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Im a victim of Identity theft and there are accounts on my report that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I opened an account with Robinhood to invest ( buy/sell/transfer ) cryptocurrency. 

On XXXX XXXX, I transferred XXXX in Bitcoin to an individual who was aiding me with a sports bet. 

Within the same day, my account was restricted with around XXXX in investments. 

Since then, I have spoken to two representatives via phone who have done nothing but ask for basic information about myself. I have asked for information regarding the restriction, and have not received any. Nor have I received any real information about when the restriction will be listed. The date is pushed back by a day, every single day. 

Perhaps even stranger, half of the calls appear to be from a phone number that actually ISNT the number they claim they will call from. When I have spoken to representatives, they called twice via ( XXXX ) XXXX. However, two separate times I have been called by ( XXXX ) XXXX. When I check the app, it claims that they tried to reach me via the first number. 

Im not sure whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX XXXX XXXX XXXX when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a 3rd day dispute under section 605 B. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft, police report case number XXXX, a victim of the security and data breach by a major credit bureau, and also received a letter and was awarded money because of an action the CFPB took against XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-09 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 am a victim of Identity theft, police report case number XXXX, a victim of the security and data breach by a major credit bureau, and also received a letter and was awarded money because of an action the CFPB took against XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I won a bid on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was told If I didnt have full payment I had to use in house financing so I was referred to [ LENDMARK FINANCIAL SERVICES ] ON XXXX XXXX XXXX  I believe there are inconsistencies in the financing terms, which may violate the Truth in Lending Act ( TILA ).

1. The APR, finance charge, and total amount financed differ between the dealerships contract and the lenders agreement.

2. The dealership indicated a down payment was required, but this information is unclear or missing from the lenders documentation.

3. Payment schedules and terms were not clearly disclosed. 



These discrepancies create confusion about the total cost of the loan and whether I was charged appropriately. I have attached copies of both contracts for your review and comparison. 



I request an investigation into these practices to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AR

Complaint narrative:
When handling my bankruptcy dispute, Experian used flawed intake procedures and failed to accurately communicate all relevant details about disputes to the original furnisher which doesn't furnish credit reporting information. Experian consistently accepted no response from the court as a response to these disputes without proper scrutiny, even when there was no response. That means their investigation was improbable, illogical, and contradicting because they had no reference to information reported on my consumer report. Another words Experian 's furnishing techniques are unreliable. At the conclusion of the dispute investigation, Experian sent notices that did not adequately inform consumers of the investigation 's results. Instead, the notices contained information that was confusing, ambiguous, inaccurate, or inconsistent, leaving consumers without a clear understanding of the outcome.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting company is using deceptive practices to prevent me and other people from accessing our free credit reports. They routinely present older credit report information an will only present relevant or up to date information in a paid credit report but not the free one.

Forcing you to subscribe monthly. Also if you don't subscribe you are penalized on your credit report and it prevents you from fair access to credit

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 2025-01-09 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: NY

Complaint narrative:
I am writing to to formally dispute the information garnished to my credit report. 
Regarding the XXXX  XXXX account, act number XXXX. this account shows a status of paid, closed with a notation of " {$240.00} written off '' and was last updated in XX/XX/year>. I believe this information is inaccurate an requires immediate correction. 

reasons for dispute inaccuracy of reporting, under fair credit reporting act section 607b, all consumer reporting agencies must ensure the information they report is accurate, the notation {$240.00} written off ' misrepresents the status of my account.as it has been paid in-full Failure to verify section 611 ( a ) IMPACT ON CREDIT WORTHINESS THE CONTINUED REPORTINGOF THIS NAGATIVE INFORMATION AFFECTS MY CREDIT WORTHINESS AND ABILITY TO SECURE FUTURE CREDIT. 
UNDER THE FCRA SECTION 602 a. CONSUMERS HAVE THERIGHT TO A FAIR AND ACCURATE 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