vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: VA

Complaint narrative:
I am writing to formally demand the removal of all negative and inaccurate information from my credit report that resulted from the Equifax data breach of XXXX, which exposed the personal data of approximately XXXX XXXX consumers, including mine. 

XXXX. My Information Was Compromised in the Breach As a confirmed victim of the Equifax breach, my personal dataincluding my Social Security number, date of birth, and other personally identifiable information ( PII ) was exposed due to Equifaxs failure to safeguard consumer data. This has led to unauthorized use of my information, affecting my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I have the right to demand that fraudulent or inaccurate information resulting from identity theft or data breaches be blocked and permanently removed from my credit report. 

XXXX. Legal Violations and Consumer Rights Equifax violated several federal and state consumer protection laws, and I demand the CFPB enforce my right to remove the affected information under : Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] Credit bureaus must ensure data accuracy. Any disputed, inaccurate, or fraudulent information must be corrected or removed within 30 days under 15 U.S.C. 1681i ( a ). 
Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] If any debts on my report were a result of identity theft linked to the Equifax breach, they are invalid and unenforceable.

Federal Trade Commission Act ( FTC Act ) [ 15 U.S.C. 45 ] Equifax engaged in unfair and deceptive practices by failing to protect consumer data, violating Section 5 of the FTC Act. 
Equifax Data Breach Settlement XXXX XXXX XXXX XXXX, Case No. XXXX ) Equifax admitted liability XXXX and consumers affected are entitled to full remedies, including credit correction and identity theft resolution. 
My Demands for Resolution In accordance with the laws mentioned above, I demand the following : Permanent removal of all inaccurate and unauthorized credit inquiries, accounts, and negative marks associated with the breach. 
Full compliance with FCRA provisions ensuring my credit report reflects only verifiable, accurate, and authorized information. 
A written statement from Equifax, XXXX, and XXXX confirming the removal of all affected information and steps taken to prevent further harm. 
Enforcement of penalties against Equifax under 15 U.S.C. 1681n for willful noncompliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute my student loans due to a breach of my personal and financial information, which directly violates the Higher Education Act, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that my private student loan information was accessed, shared, or disclosed without my knowledge or consent, constituting a serious violation of my rights under federal law. 

Specifically, I believe the actions taken by, XXXX XXXX XXXX- including but not limited to XXXX XXXX and/or any associated organization- have compromised my personally identifiable information ( PII ) in a manner that is unlawful and harmful. This breach has placed me at risk of identity theft, financial fraud, and other damages, which are in direct violation of my rights as a borrower. 

Under FERPA and the Privacy Act of 1974, I am entitled to full protection of my educational records, including financial aid and loan information. Any unauthorized disclosure or misuse of such data is a legal violation and calls into question the validity and enforceability of my student loans. Additionally, under the Higher Education Act, loan services and federal agencies are required to maintain strict compliance with borrower rights, a standard that has not been upheld in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-02-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report hoping that you make a better decision in my situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations. 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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : CFPB Dispute - Request for Credit Report Correction : Victim of XXXX XXXX and Identity Theft To Whom It May Concern, I am submitting this dispute regarding inaccurate and fraudulent information on my credit report due to my status as a victim of XXXX XXXX and identity theft. The incorrect information has severely impacted my financial well-being, and I request immediate action to rectify these errors. 
Explanation of the Situation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of XXXX XXXX, which resulted in a complete lack of financial control over my affairs. During this period, I was forced to work without pay under the leadership of XXXX XXXX, who misled me regarding real estate investments where I was never compensated. This exploitation contributed to severe financial instability, unauthorized accounts, and fraudulent activities on my credit report. 
Additionally, I became a victim of identity theft. My wallet, containing my Social Security card and drivers license, was stolen from my car, which led to multiple unauthorized accounts being opened in my name. These fraudulent activities resulted in unpaid debts and have negatively impacted my credit score. 
Furthermore, I have resided at XXXX XXXX XXXX XXXX for over ten years, as evidenced by my lease agreement, which is enclosed with this dispute. Several negative accounts on my credit report were fraudulently opened at XXXX XXXX XXXX, an address where I have never resided. This further supports my claim that these accounts were opened without my authorization and should be removed immediately. 
Supporting Documentation : I have attached the following documents to substantiate my claim : 1. Police Report ( XXXX XXXX : XXXX ) detailing my identity theft case. 
2. FTC Identity Theft Reports ( Report Numbers : XXXX, XXXX, XXXX ). 
3. Documentation of a data breach that exposed my personal information. 
4. FCRA Section 605C Self-Attestation Form for XXXX XXXX  Victim Determination. 
5. Court documents, demand for payment letter, and additional supporting evidence related to my XXXX XXXX experience under XXXX XXXX. 
6. Lease agreement for XXXX XXXX XXXX XXXX, proving my residency for over ten years. 
Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), victims of identity theft and fraud have the right to dispute and correct inaccuracies on their credit reports. I am requesting that the disputed items be investigated and corrected or removed under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Proof of Identity : For verification purposes, I have attached copies of my government-issued ID and 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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, Equifax, Experian, and Transunion received a dispute to remove a collections account With XXXX XXXX XXXX. 

A formal letter was sent to inform the company that the referenced accounts were being reported in error because the creditor of the collection agency associated with the account is not licensed to collect debts in Florida, as required by Florida Law. 

Under Florida Statute XXXX, any entity engaged in debt collection activities within the state of Florida must register and maintain a valid license with the Florida Office of Financial Regulation. If a collection agency lacks this required license, it is not authorized to engage in debt collection or reporting activities against Florida residents.

I kindly requested Experian, Transunion, and Equifax to investigate this matter by verifying the collection agency 's compliance with Florida 's licensing requirements. If the creditor or collection agency is indeed unlicensed in the state of Florida, I respectfully ask that these collection accounts be removed from my credit report immediately. However, upon review from each company, they only verified that the account was accurate, at which this was not what I was requesting.

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 2025-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Equifax, Experian, and Transunion received a dispute to remove a collections account With XXXX XXXX XXXX. 

A formal letter was sent to inform the company that the referenced accounts were being reported in error because the creditor of the collection agency associated with the account is not licensed to collect debts in Florida, as required by Florida Law. 

Under Florida Statute XXXX, any entity engaged in debt collection activities within the state of Florida must register and maintain a valid license with the Florida Office of Financial Regulation. If a collection agency lacks this required license, it is not authorized to engage in debt collection or reporting activities against Florida residents.

I kindly requested Experian, Transunion, and Equifax to investigate this matter by verifying the collection agency 's compliance with Florida 's licensing requirements. If the creditor or collection agency is indeed unlicensed in the state of Florida, I respectfully ask that these collection accounts be removed from my credit report immediately. However, upon review from each company, they only verified that the account was accurate, at which this was not what I was requesting.

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 2025-02-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Permanent Removal of Inaccurate Information To Whom It May Concern, I am writing to formally request the immediate and permanent removal of inaccurate and outdated information from my credit report as maintained by Equifax. My credit report includes items that are misleading and erroneous, causing significant damage to my creditworthiness and resulting in my being denied loans and credit cards. This has placed an undue burden on me, particularly during a critical time as I am in the process of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. Specifically, Section 611 of the FCRA mandates that upon receiving a dispute, the credit reporting agency must investigate and correct any inaccuracies within 30 days. Furthermore, failure to maintain accurate credit information is a violation of the Federal Trade Commission Act ( FTCA ), which prohibits unfair or deceptive practices in commerce. 

Recent legal actions, including lawsuits against XXXX and Equifax, highlight the increasing scrutiny on credit reporting agencies to adhere to these standards. I am requesting that you take this matter seriously and conduct a thorough reinvestigation of the disputed items, as required by law. 

Please note that if the inaccuracies are not permanently removed within five ( 5 ) days of receipt of this letter, I will pursue legal action for damages caused by your failure to comply with FCRA guidelines. I am prepared to seek compensation for the harm to my credit score, emotional distress, and the consequential denial of credit opportunities. 


I trust that you will handle this matter with the urgency and diligence it requires. Please confirm in writing that the inaccurate items have been removed. I can be reached via email at XXXX for any correspondence related to this dispute. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : 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 theftandfraud.

Company response to consumer: Closed with explanation