vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from XXXX, Equifax, and XXXX. These inquiries were made by various entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from Experian, XXXX, and XXXX. These inquiries were made by various entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.

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 2025-01-29 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: NY

Complaint narrative:
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. 

Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-29 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: MOHELA
State: FL

Complaint narrative:
My closed paid in full student loans ( closed two years ago through PSLF ) keep reappearing on my credit bureau as open accounts. They appeared on my XXXX again this week. I have spent hundreds of hours on the phone with Mohela and made half a dozen requests to correct my account with credit dispute requests which are denied as correct by Mohela for some reason, even though accompanied with screenshots of my paid in full accounts and pslf forgiveness letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LEXISNEXIS
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : 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 of such dispute, the agency shall 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, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX : XX/XX/XXXX ] [ XXXX : XXXX ] [ Transunion XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX PA XXXX ] Subject : Formal Dispute & Demand for Monetary Damages Due to Failure to Remove Inaccurate Late Payment I am writing to formally dispute the inaccurate late payment ( XXXX ) reported on my credit file associated with [ Account Name : First XXXX XXXX XXXX XXXX under Account Number : XXXX ]. Despite my previous requests and legal obligations under federal law, the inaccurate negative mark remains on my credit report, causing me financial harm. 
Under 15 U.S.C. 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), a consumer report does not include information solely related to transactions or experiences between the consumer and the entity making the report. The continued reporting of this late payment, without verifiable proof that it was accurately reported in compliance with the law, is a direct violation of my consumer rights.

Additionally, under 15 U.S.C. 1666 ( b ) of the Truth in Lending Act ( TILA ), a creditor may not lawfully treat a payment as late unless they have followed reasonable procedures to ensure that a billing statement was provided at least 21 days prior to the due date. I hereby demand that you provide concrete evidence, including a tracking number or proof of delivery of my billing statement as required by 15 U.S.C. 1637 ( b ). 
Because of the continued inaccurate reporting of this late payment, I have suffered financial losses, including but not limited to : Increased interest rates on loans and credit accounts Denial of new credit opportunities Emotional distress and reputational damage As per the FCRA ( 15 U.S.C. 1681n and 1681o ), failure to comply with federal credit reporting laws entitles me to statutory and actual damages. I am demanding compensation of [ {$1000.00} ] for the financial and personal harm caused by your negligence.

Required Action 1. Immediately remove the inaccurate late payment from my credit file.

2. Provide written confirmation of the removal within 15 days of receiving this letter.

3. Compensate me for damages caused by the unlawful reporting.

If you fail to comply within the allotted time frame, I will have no choice but to escalate this matter by : Filing a complaint with Federal Trade Commission ( FTC ). 
Pursuing legal action to recover damages, including attorney fees. 

This letter serves as official notice of my dispute and intent to seek legal remedies should you fail to correct this issue promptly. Please respond in writing promptly.

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 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I called Transunion to correct my concerns and it was stated that if this is identity theft related that I will have to submit a police report and then my concerns will be looked in. I have attached the requested police 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 explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: NV

Complaint narrative:
Formal Complaint Against North American Recovery Violation of Credit Laws To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am filing a formal complaint against North American Recovery regarding an unknown or unverified account appearing on my credit report. This collection account is inaccurate, and despite my attempts to request validation, the company has failed to provide sufficient proof of the alleged debt.

Complaint Details : The account in question does not belong to me, and I have no knowledge of its origin.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), a debt collector must provide validation of the debt upon request. North American Recovery has failed to provide proper documentation proving I owe this debt. 
Under the Fair Credit Reporting Act ( FCRA ) 611, inaccurate or unverified accounts must be removed from my credit report. Since the debt has not been validated, it should not be reported.

The company has exceeded the 30-day response window required for debt verification and has continued to report the account to credit bureaus in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have Equifax reporting false accounts on my credit report refused to remove them after removing accounts of credit report someone sharing my information without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
There several collections on my credit report, which Im unaware of Ive received numerous calls and threatening emails regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach, and my identity was stolen. I have requested a proof of Dept on multiple occasions, last time was XX/XX/scrub>XXXX and they have not responded. That is over the 60 days they are allotted. I have filed several disputes. Confirmation # Dispute : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I believe my information may have been part of a data breach I have inquiries on my credit file that I dont recognize and would like them immediately removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My identity was stolen my information was compromised is a security breach. I have been dealing with this for some years now and now Im trying to get everything resolved I have sent follow up letters to all of these companies in hopes of some sort of resolution this car loan is reporting on my credit report and this is a fraudulent charge someone got this loan in my name. Also there were other loans taken out in my name as well as credit cards and also a XXXX cell phone account and some collection accounts that appeared out of no where and I have no idea what they are. 
XXXXCompany name : XXXX XXXX I first noticed this in XX/XX/XXXX and XX/XX/XXXX Amount {$620.00} XXXXCompany name : XXXX I first noticed this XX/XX/XXXX and XX/XX/XXXX Amount {$430.00} XXXXCompany name : XXXX I first noticed this account XXXX XX/XX/XXXX and XX/XX/XXXX Amount {$220.00} XXXX.Company name : XXXX XXXX XXXXXXXX I first noticed this on my report back in XX/XX/XXXX Amount {$10000.00} XXXXCompany name : XXXX XXXX  I noticed this in XX/XX/XXXX Amount {$390.00} XXXXCompany name : XXXX I first noticed this XX/XX/XXXX Amount {$610.00} XXXXCompany name XXXX XXXX XXXX  I first noticed this account in XX/XX/XXXX Amount {$18000.00} 8.Company name : XXXX XXXX I first noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$6300.00} Below in the uploads is the FTC Report as well as the follow up letter that was sent out to all the companies listed above as well as 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My identity was stolen my information was compromised is a security breach. I have been dealing with this for some years now and now Im trying to get everything resolved I have sent follow up letters to all of these companies in hopes of some sort of resolution this car loan is reporting on my credit report and this is a fraudulent charge someone got this loan in my name. Also there were other loans taken out in my name as well as credit cards and also a XXXX cell phone account and some collection accounts that appeared out of no where and I have no idea what they are. 
XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred XXXX from my XXXX XXXX account to XXXX XXXX Bank to invest in XXXX in XXXX of 2024. Come to find out it was scammers who stole the money from me and they were using XXXX XXXX and XXXX XXXX to do their business. Im trying to find an Attorney to help me with a class action against XXXX XXXX and XXXX XXXX. Im trying to get my money back. XXXX XXXX refuses to return my money.

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