vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
My information was exposed in a date breach now I am seeing numerous accounts on my report I have no clue of. A few of the accounts newly opened in a State where I no longer live. There is even a Auto loan I never signed for.

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 2025-02-13 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: MI

Complaint narrative:
I am writing to formally dispute certain information listed on my credit report, which I believe to be inaccurate and reflective of negligence in handling my personal data. 

On XX/XX/24, I filed a dispute regarding the following inaccurate item ( s ) on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX account that was fraudulently opened due to Identity Theft. This account was blocked from my credit report and then improperly reinserted the inaccurate information on my report. 

Despite providing all necessary documentation and a clear explanation to support my claim, your agency failed to conduct a reasonable investigation, resulting in an inaccurate and incomplete resolution of my dispute. This has led to a direct and significant adverse impact on my creditworthiness and personal financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
I am writing to formally dispute certain information listed on my credit report, which I believe to be inaccurate and reflective of negligence in handling my personal data. 

On XX/XX/24, I filed a dispute regarding the following inaccurate item ( s ) on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX account that was fraudulently opened due to Identity Theft. This account was blocked from my credit report and then improperly reinserted the inaccurate information on my report. 

Despite providing all necessary documentation and a clear explanation to support my claim, your agency failed to conduct a reasonable investigation, resulting in an inaccurate and incomplete resolution of my dispute. This has led to a direct and significant adverse impact on my creditworthiness and personal financial well-being.

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 2025-02-13 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: NC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 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: CA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$13000.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$170.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance {$4200.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$1400.00} XXXX XXXX Balance {$820.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-02-13 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: MOHELA
State: NC

Complaint narrative:
I was part of the SAVE program and worked as a public school teacher from XXXX to XXXX. Now, I am being told that my payments do not count toward Public Service Loan Forgiveness ( PSLF ). My employment was verified, and qualifying payments were made during that period. However, MOHELA is refusing to grant me forgiveness, claiming that I filed for bankruptcy between XXXX and XXXX, and that none of those payments count. 

Despite the fact that I remained with a qualifying employer during that time, and they continued receiving payments, I am being told that none of the payments made between XXXX and XXXX are eligible. I had XXXX qualifying payments out of the required XXXX. They are now claiming that none of these payments count because I switched employers in XXXX. 

I demand clarification and resolution on this issue. I need immediate assistance to resolve this discrepancy.

Also, now there is a FERPA privacy breach with DOGE of my private data at the DOE. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and said I would receive my money in the mail I never received it i have called XXXX XXXX and they keep transfer me saying call back later sometimes hours after telling different people on customer service tried to make appointments to go in they call and cancel and tell me I can't have a XXXX XXXX a person there to call some number that either makes me leave a message or transfer me a few or more times and my address has changed my old address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And my new address different so please get ahold of me the amount is {$XXXX} The date was XX/XX/year> and all the funds was available on XX/XX/year> and they closed me account and they found out it wasn't fraud the should have sent me the check because that's what they said after the check didn't come and I called XXXX  months later they said i would get afterba few months i still waiting please make them pay me 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 monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX, XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Closed account on my credit file Need to removed immediately because it inaccurate information still shown on my credit file

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 2025-02-13 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: TN

Complaint narrative:
Closed account on my credit file Need to removed immediately because it inaccurate information still shown on my credit file

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 2025-02-13 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: DC

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX Balance Owed : {$XXXX} XXXX/XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX/XXXX  XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$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 2025-02-13 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: CL Holdings LLC
State: GA

Complaint narrative:
This needs to be removed off my credit. by law 15C. This need to be removed JEFFERSON CAPITAL XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My information has been reported on dark web for a few years now. I've tried disputing some have been successful some have not. I'm tired of the credit card company saying I've had late payment when I didn't and closing accounts that are showing on my credit report and hard inquiries popping up XXXX to XXXX  times per company. I'm needing help. With all credit bureau Transunion ... Equifax

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 2025-02-13 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: IA

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below.

This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IA

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below.

This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 2025-02-13 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: AZ

Complaint narrative:
Subject : Formal Dispute of Fraudulent XXXX XXXX Account Demand for Deletion To Whom It XXXX Concern, I am formally disputing the fraudulent XXXX XXXX credit card account appearing on my Equifax credit report. I have never opened or authorized this account, making its presence on my credit file a clear violation of the Fair Credit Reporting Act ( FCRA ). 
I believe my personal information was compromised due to multiple security breaches, including but not limited to the Equifax data breach, the XXXX XXXX XXXX XXXX and other known security incidents. As a result, fraudulent accounts such as this XXXX XXXX credit card have been wrongfully associated with my credit profile. 
Under 15 U.S.C. 1681i, I am requesting an immediate investigation into this account. If Equifax can not verify with proper documentation that I am responsible for this account, it must be permanently deleted from my credit report as required by law. 

I formally demand the following actions : Immediate deletion of the fraudulent XXXX XXXX account from my Equifax credit file. 
A full investigation into how this account was added to my report, given my history of identity theft exposure. 

Written confirmation of the removal of this account upon deletion. 
Failure to resolve this matter promptly will leave me no choice but to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal action if necessary. 
Please respond within the XXXX timeframe as mandated by the FCRA. I expect immediate corrective action to protect the integrity of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation