vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
bXXXX XXXX XXXX MS XXXX\nEmail: XXXX\nDateXXXX XXXX XXXX XXXX\n\nTo:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX\n\nTransUnion LLC\nXXXX. XXXX XXXX PA XXXX\n\nExperian\nXXXX XXXX XXXX, TX XXXX\n\nSubject: Formal Dispute of Inaccurate, Outdated, and Unauthorized Information\nReport Confirmation #: XXXX\n\nDear Dispute Department,\n\nI am writing to formally dispute several items on my credit report in accordance with my rights under the Fair Credit Reporting Act (FCRA). I am requesting a reinvestigation and correction or removal of the following accounts, XXXX XXXX inaccuracies, and unauthorized hard inquiries:\n\nDisputed Accounts\nXXXX XXXX (Acct Ending in XXXX)\n\nStatus: Charge-off\n\nIssue: Previously disputed; remains inaccurately reported.\n\nXXXX XXXX (Acct Ending in XXXX\n\nStatus: Charge-off\n\nIssue: Outdated balance and delinquency history.\n\nXXXX XXXX XXXX (Acct Ending in XXXXn\nIssue: Conflicting balance and charge-off information.\n\nXXXX XXXX (Acct Ending in XXXX)\n\nIssue: Negative status with no updated activity; accuracy in question.\n\nXXXX XXXX (XXXX XXXX\n\nAccounts Ending in: XXXX XXXX XXXX XXXX\n\nIssue: Closed/paid but still listing 90-150 day delinquencies from XXXX These entries are outdated and misleading.\n\nDept of Ed / XXXX\n\nAccounts Ending in: XXXX XXXXn\nIssue: Deferred loans still showing residual dispute remarks. These are no longer applicable and should be removed.\n\nHard Inquiry Disputes\nMy credit report lists 78 hard inquiries, several of which I did not authorize. I request deletion of any inquiries that cannot be verified with proper consent documentation.\n\nExamples of unauthorized inquiries include, but are not limited to:\n\nXXXX XXXX Inc  Apr XXXX XXXX\n\nXXXX  XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nUnknown  XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nClosing Statement\nIn compliance with the FCRA, I request a full investigation of the items listed above. If the accounts or inquiries cannot be verified within 30 days, they must be deleted or corrected. Enclosed are copies of the relevant pages from my credit report highlighting the disputed items.\n\nThank you for your prompt attention to this matter. Please respond in writing with the results of your investigation.\n\nSincerely,\nXXXX 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 2025-04-18 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: MS

Complaint narrative:
bXXXX XXXX XXXX MS XXXX\nEmail: XXXX\nDateXXXX XXXX XXXX XXXX\n\nTo:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX\n\nTransUnion LLC\nXXXX. XXXX XXXX PA XXXX\n\nExperian\nXXXX XXXX XXXX, TX XXXX\n\nSubject: Formal Dispute of Inaccurate, Outdated, and Unauthorized Information\nReport Confirmation #: XXXX\n\nDear Dispute Department,\n\nI am writing to formally dispute several items on my credit report in accordance with my rights under the Fair Credit Reporting Act (FCRA). I am requesting a reinvestigation and correction or removal of the following accounts, XXXX XXXX inaccuracies, and unauthorized hard inquiries:\n\nDisputed Accounts\nXXXX XXXX (Acct Ending in XXXX)\n\nStatus: Charge-off\n\nIssue: Previously disputed; remains inaccurately reported.\n\nXXXX XXXX (Acct Ending in XXXX\n\nStatus: Charge-off\n\nIssue: Outdated balance and delinquency history.\n\nXXXX XXXX XXXX (Acct Ending in XXXXn\nIssue: Conflicting balance and charge-off information.\n\nXXXX XXXX (Acct Ending in XXXX)\n\nIssue: Negative status with no updated activity; accuracy in question.\n\nXXXX XXXX (XXXX XXXX\n\nAccounts Ending in: XXXX XXXX XXXX XXXX\n\nIssue: Closed/paid but still listing 90-150 day delinquencies from XXXX These entries are outdated and misleading.\n\nDept of Ed / XXXX\n\nAccounts Ending in: XXXX XXXXn\nIssue: Deferred loans still showing residual dispute remarks. These are no longer applicable and should be removed.\n\nHard Inquiry Disputes\nMy credit report lists 78 hard inquiries, several of which I did not authorize. I request deletion of any inquiries that cannot be verified with proper consent documentation.\n\nExamples of unauthorized inquiries include, but are not limited to:\n\nXXXX XXXX Inc  Apr XXXX XXXX\n\nXXXX  XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nUnknown  XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nClosing Statement\nIn compliance with the FCRA, I request a full investigation of the items listed above. If the accounts or inquiries cannot be verified within 30 days, they must be deleted or corrected. Enclosed are copies of the relevant pages from my credit report highlighting the disputed items.\n\nThank you for your prompt attention to this matter. Please respond in writing with the results of your investigation.\n\nSincerely,\nXXXX 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 2025-04-18 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
Upstart account # XXXX Hello, and Good Day to you. I'm reaching out in attempt of rectifying this matter for the above account. I noticed that this account was charged off and you claimed a profit loss with the IRS. I'd like to file this account on my taxes and I've never received the 1099-c. Please send this immediately to my current address on file. The ( XXXX XXXX ) address will suffice. Thanks in advance.... 

Also, I'd like to know the first date of delinquency according to your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: MD

Complaint narrative:
Logged into check my balance on my prepaid card. There was an ad on website. Ad says save time with online bill payments. I made a bill payment of {$2.00}. 
A few days later, my creditor notified me that the payment had been returned. I called your office to notify you that if I was charged by my creditor, I would ask for reimbursement. Today my creditor posted a return payment fee of {$29.00}. Please provide reimbursement of {$29.00}. Thank you for your assistance!

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Repeated calling, have not received original credit card documents with original signature or credit account from Midland credit management for XXXX XXXX  XXXX XXXX or for XXXX  XXXX banking .. receive documents stating they are attempting to sue me in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I tried to transfer money from my Discover savings account on XX/XX/year> for the amount of {$19000.00} from my savings and it was not done. No reason given, nothing, just a XXXX  XXXX cancel. This is MY money and no information was given as to why. They did nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to annual credit report website to obtain my free weekly credit report, and every week Equifax will not let me obtain a copy of my credit report. The page is blank and when I request again, Equifax said I had already received my weekly report. Equifax is violating the Fair Credit Reporting Act ( FCRA ) by refusing to provide me as a consumer with my credit report and that is a violation of the Act. I was able to obtain a copy of my Equifax report in the past from XXXX with no problem. I have no problem obtaining my credit report from Experian and TransUnion, but Equifax is violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Has charged off this debt to the irs. I never received a 1099C or proof of my securitization where this {$500.00} payment came from they are committing Fraud. They have placed this account twice on my credit report and steady making fraudulent reports on my credit file. Which is a violation of my rights and Experian as well are violating me. I am putting both companies on notice if this not deleted from my credit file. I will have to take further actions with filing a lawsuit against XXXX XXXX and Experian for continuing to ruin my reputation and my character as a consumer under FRCA and under FDCPA

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 2025-04-18 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: OK

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
b'XXXX XXXX XXXX, MS XXXX\nEmail: XXXX\nDate: XXXX XXXX XXXX\n\nTo:\nXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX\n\nXXXX XXXX XXXX XXXX, PA XXXX\n\nXXXX XXXX XXXX TX XXXX\n\nSubject: Formal Dispute of Inaccurate, Outdated, and Unauthorized Information\nReport Confirmation #: XXXXXXXX\n\nDear Dispute Department,\n\nI am writing to formally dispute several items on my credit report in accordance with my rights under the Fair Credit Reporting Act (FCRA). I am requesting a reinvestigation and correction or removal of the following accounts, XXXX XXXX  inaccuracies, and unauthorized hard inquiries:\n\nDisputed Accounts\nDiscover Bank (Acct Ending in XXXX\n\nStatus: Charge-off\n\nIssue: Previously disputed; remains inaccurately reported.\n\nXXXX XXXX (Acct Ending in XXXX)\n\nStatus: Charge-off\n\nIssue: Outdated balance and delinquency history.\n\nXXXX XXXX XXXX (Acct Ending in XXXX\n\nIssue: Conflicting balance and charge-off information.\n\nXXXX XXXX  (Acct Ending in XXXX)\n\nIssue: Negative status with no updated activity; accuracy in question.\n\nXXXX XXXX (XXXX XXXX)\n\nAccounts Ending in: XXXX XXXX XXXX XXXX\n\nIssue: Closed/paid but still listing 90-150 day delinquencies from XXXX These entries are outdated and misleading.\n\nDept of Ed / XXXX\n\nAccounts Ending in: XXXX XXXXn\nIssue: Deferred loans still showing residual dispute remarks. These are no longer applicable and should be removed.\n\nHard Inquiry Disputes\nMy credit report lists 78 hard inquiries, several of which I did not authorize. I request deletion of any inquiries that cannot be verified with proper consent documentation.\n\nExamples of unauthorized inquiries include, but are not limited to:\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXXXXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nUnknown XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nClosing Statement\nIn compliance with the FCRA, I request a full investigation of the items listed above. If the accounts or inquiries cannot be verified within 30 days, they must be deleted or corrected. Enclosed are copies of the relevant pages from my credit report highlighting the disputed items.\n\nThank you for your prompt attention to this matter. Please respond in writing with the results of your investigation.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im honestly overwhelmed and frustrated. Ive disputed these accounts with Equifax multiple times, and they eventually confirmed in writing that the accounts were deleted. But now, after checking my credit report again, I found that several of those same accounts have been reinsertedwithout any notice, explanation, or my permission. This is unacceptable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me in writing within 5 business days when a deleted item is reinserted. That never happened. This also violates 15 U.S.C. 1681e ( b ), which requires the reporting of only accurate and verified information, and 15 U.S.C. 1681b, because I never authorized the reinsertion of these accounts. XXXX  and XXXX  have already permanently removed these accounts from their reports and have not reinserted them. Equifax is the only bureau continuing to mishandle my file. Ive had to use my own money just to monitor these updates through credit monitoring services like XXXX, and I shouldnt have to catch their mistakes myself. 
This entire process is emotionally exhausting. These constant reinsertions are not only damaging to my credit but are also a clear sign of willful and negligent noncompliance. Im asking the CFPB to step in. I want all reinserted accounts permanently deleted from my Equifax report, a full explanation of how and why they were added back, and for Equifax to be held accountable under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I have been notified in XXXX that I am delinquent in my student loans, when I shouldn't even be paying them yet. I have tried to contact Mohela on XXXX XXXX XXXX, but they refuse to connect me to someone to talk to. The phone will hang up. The delinquency caused my credit score to drop over XXXX points to a XXXX credit score. I am willing and able to start paying on my loans now, but I would like this delinquency lifted off my credit score. They did not give me a 90 day or a 30 warning about my delinquency. I owe roughly {$2000.00} as of XXXX XXXX XXXX I was never emailed by Mohela about my delinquency either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app unexpectedly closed my account and accused me of gambling with bitcoin. I have asked cash app to verify how many accounts were used under my name and social because I did not usevbitcoin at all and my account does not show me using bitcoin. This is what lead me to ask cashapp if my identity was stolen or they allowed a Fraudulent account to be used without my knowing. 

After contacting XXXX  cashapp still refuse to verify if there were more than one account under my name. My cashapp name is XXXX XXXXXXXX and that is the only one I am aware of. If there is more than one account I will need to file a police report for stolen identity. However, because Cash app refuse to verify if there is more than one account with my information, explain how I was using bitcoin when my account shows no bitcoin transactions, and what policy was violated. I am unable to ensure my identity is protected because cashapp is willfully refusing to answer the questions. 

12 cashapp associates refuse to let me know how many accounts were open with my information, what measures we taken to ensure my identity is protected, and where in the policy it says I can not pay my rent using the cash app debit card violates their policy. Cash continue to send pre regenerated messages and refuse to address my concerns. If I believe fraud is being committed I have the right to file a report to protect my identity. If I am being accused of using bitcoin, I have the right to know details when my account does not show the use of bitcoin. If I suspect fraud and report it to cashapp they are suppose to do something. 

I do not care about using cash app service I care about my identity being stolen and cash app need to verify if they allowed a 2nd, 3rd, or 4th account to be opened with my identity. Cashapp refusal to assist in this matter is preventing me from taking the proper step to protect my identity.

Company response to consumer: Closed with explanation