vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-13 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: TX

Complaint narrative:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IL

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Attached below is a screenshot of FEROA guidelines, in which it does not state that anybody other than the student or parent may access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD

Complaint narrative:
So I had a repossession back in XXXX  and the IRS just took my whole federal tax return saying I owed them {$11000.00} because the bank wrote it off and I didnt report it as income. The bank didnt even tell me anything about that car being auctioned off or anything. I called XXXX XXXX XXXX and spoke to them about it and they said " we don't have anything to do with what the irs does. you will have to call them to figure that part out ''. Also the amount owed from the irs letter they sent me is different from what XXXX XXXX XXXXXXXX told me on the phone. They said they tried to contact me, but I have gotten nothing in the mail in regards to this car being sold or auctioned off or anything or even how much I owe on the car in order to give me a chance to even try to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : Inquiries ( Equifax ) Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX  - Date of Inquiry : XX/XX/year> Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On the XXXX day of XX/XX/year> ; my account was fraudulently used and money had been pilfered from my account. Since then I submitted two claims that we denied. The status of my claim states : Based on the information available to us, our investigation has led us to determine that this transaction was authorized by you, or someone you authorized to use your credentials, and no error occurred. 
As a result, your dispute has been denied. 
I am not sure what theyre basing their decision from but I did not authorise any transactions that I submitted in this claim. I purchased gas in the amount of {$30.00} ; soon after a charge for {$2.00} and {$950.00} were made that were not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I am filling a complaint due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Experian failed to take timely and effective measures to prevent and address fraud on my credit repot. Leaving my credit account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Consumer Financial Protection act ( CFPA ). 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 2025-03-13 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: GA

Complaint narrative:
I am filling a complaint due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Experian failed to take timely and effective measures to prevent and address fraud on my credit repot. Leaving my credit account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Consumer Financial Protection act ( CFPA ). These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.

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 2025-03-13 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: AR

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I got a call from XXXX, claiming to be from Experian XXXX monitoring, stating someone in XXXX  tried to open a new credit card in my name. They stated they had my addressthey gave me a previous address in XXXX  and then gave me the address in XXXXXXXX XXXX  where I actually live. They said the card attempting to open was XXXX XXXX XXXXXXXX, and that my XXXX card was compromised. I asked for the number of the XXXX, and they said that they had to transfer me to another accounts manager. I asked for the number again, and was given a card number allegedly from XXXX XXXX XXXXXXXX XXXX XXXX, but would only give me the first XXXX numbers. When I suspected this was a scam, the man refused to give me a name or a number to reach him and refused to have me talk to a supervisor. In addition he said that since I was not cooperating, he was going to approve the opening of the card in 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

The following items I am disputing are the following : XXXX - Account # : XXXX Balance : - {$0.00} XXXX XXXX - Account # : XXXX - Balance : {$10000.00} XXXX  - Account # XXXX XXXX - Balance : {$2500.00} XXXX  - Account # : XXXX - Balance : {$0.00} XXXX  - Account # : XXXX XXXX Balance : {$4600.00} XXXX  - Account # : XXXX - Balance : {$890.00} XXXX  - Account # : XXXX - Balance : {$2900.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX and the Department of Government Efficiency also known as DOGE, illegally accessed government records of student loans of me and thousands of other Americans, negatively impacting my credit score over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MS

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

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 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Woke up today, noticed my credit score fell XXXX points! It was caused by the Department of Education/NELN . I have only ever used XXXX for all of my student loans and have 100 % proof. I have never missed a payment, and have autopay on. How would I have 9 different missed 90 day payments if I never even have had a 30 or 60 day late payment? My score was decreased for no reason and I need help please! I can barely afford to live. I pay XXXX $ + a month and barely make XXXX a year. Cant even find a job with my XXXX XXXX. Life is not as easy as it was 40 years ago. My dad makes all the payments and his score was unaffected. If I actually owed the money they claim, his score would be affected. But thats why his score is XXXX, we try to be perfect, but clearly NELNET prefers scamming over morals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received an e-mail from XXXX XXXX on thanks for order XXXX with PayPal LLCA for charge of {$480.00} USD to you account muist be made with 48 hrs. Charge will appear on your on your credit credit statement as PAYPAL BTC-BLOCKCHAIN Payment Refund help line XXXX XXXX Product description : Item XXXX  Price {$480.00} Payment Method : Paypal Customer XXXX If you did not authorize this transaction contact us immediately at Paypal Customer Support LLC XXXX ( XXXX ) XXXX NOTE : this is not mine not I Have NEVER USED PayPal. Also, the email has area for a " XXXX '' which I did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: WA

Complaint narrative:
The Department of Education and or Nelnet have let their servers and my personal information be ransacked by a 3rd party private company that has downloaded my personal information without my consent. Information compromised is the entirety of my account information. My name, address, date of birth, social security information, education information and banking/payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XXXX XXXX accessed my student loan data through the Department of Education. This is a DOGE data breach of my personal student loan information. I did not give XXXX XXXX consent to access this data.

Company response to consumer: Closed with explanation