vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
Improper credit investigating. Dates XX/XX/XXXX. XXXX XXXX XXXX i contacted experian, transunion and experian about reporting incorrect information on my credit report without my consent and all contact should stop, my dispute came back as verified when i contacted each company and asked for information on what method was used and who verified this information as correct and i got no response. My credit report concerns were not properly investigated and its hurting me and my ability to grow and better myself.

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 2025-04-05 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: OH

Complaint narrative:
Improper credit investigating. Dates XX/XX/XXXX. XXXX XXXX XXXX i contacted experian, transunion and experian about reporting incorrect information on my credit report without my consent and all contact should stop, my dispute came back as verified when i contacted each company and asked for information on what method was used and who verified this information as correct and i got no response. My credit report concerns were not properly investigated and its hurting me and my ability to grow and better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Higher Education Servicing Corp is reporting a student loan tradeline that shows inconsistent delinquency history and potentially incorrect payment dates. These issues have not been addressed despite prior disputes and appear to violate FCRA 623 ( a ) ( 5 ). The data may also be out of alignment with XXXX XXXX formatting standards used in credit furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA. 
The Accounts listed on my credit report are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$200.00} from a XXXXXXXX XXXX  ATM using my Cash App card. The transaction was completed and the amount was debited from my account, but the ATM did not dispense any cash. 

I went to several XXXX XXXX  branches and was told that only Cash App could file a dispute to recover the funds. I contacted Cash App Support multiple times, sent a photo of the ATM receipt, explained the issue, and was told a claim would be filed. However, later they said no dispute had been submitted, and they failed to provide any case number. 

After many follow-ups, they closed the chat without resolution and gave me only a phone number to call, without any traceable confirmation. 

This handling of the issue is unacceptable and likely violates the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require timely investigation, written communication, and provisional credit during a dispute process. 

I am requesting that Cash App be required to properly investigate this incident, contact XXXX XXXX  as needed, and refund the {$200.00} that was wrongfully withdrawn from my account. I have attached a full PDF with evidence and the full history of communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) for its mishandling of a vehicle repossession and its failure to comply with federally mandated communication and notification timelines. 

On XX/XX/XXXX, NFCU repossessed my XXXX XXXX XXXX XXXX. I promptly satisfied all financial obligationsincluding the loan balance and repossession feeson XX/XX/XXXX, paying NFCU {$810.00} and the recovery agent, XXXX XXXX  XXXX XXXX XXXX, {$120.00}. 

Despite fulfilling all obligations, I did not receive NFCUs official written notification of repossession until XX/XX/XXXX, far past the timeline required by law. The letter was dated XX/XX/XXXX, but I have proof of delivery on XX/XX/XXXX. 

I sent a certified demand letter to NFCU on XX/XX/XXXX requesting {$6100.00} in compensation for financial damages, emotional distress, lost work time, and transportation costs. To date ( XX/XX/XXXX ), NFCU has failed to respond by mail, phone, or email. 

This conduct violates Florida Statutes XXXX and XXXX, as well as basic consumer protections. I respectfully request the CFPB investigate NFCUs repossession and post-sale practices. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TN

Complaint narrative:
In XX/XX/year>, I submitted online disputes to both Experian and XXXX regarding multiple inaccurate and unrecognized accounts listed on my credit report. I provided full supporting documentation including identification ( front and back ), Social Security card, and proof of address. 

As of XX/XX/year>, more than 60 days have passed without any response or investigation from either credit bureau. This is a violation of Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires that disputed information be investigated and resolved within 30 days. Because no response or investigation has been conducted within that legally required timeframe, the disputed items must be removed immediately. 

Additionally, due to my identity being compromised in the XXXX data breach, I believe some of these accounts may be the result of identity theft or fraudulent activity. A fraud victim statement is already on file with my credit reports. 

I have suffered credit denials, financial stress, and mental strain due to these unresolved and inaccurate reports. I am requesting that all disputed accounts be permanently deleted from my credit file with both Experian and TransUnion due to noncompliance with the FCRA. If this matter is not resolved, I am prepared to pursue legal action to protect my rights.

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 2025-04-05 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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 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 2025-04-05 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:
Recently, I did an investigation on my credit report which caused severe 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 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 2025-04-05 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: WA

Complaint narrative:
I called XXXX XXXX  and asked them to remove this inquiry from my credit file and I was told to call XXXX XXXX I called XXXX and they told me that I needed to make a police report. I did and mailed XXXX the information but I am also sending the case # to you ( XXXX ) which was given to me from the XXXX Police Department and the officers name is XXXX XXXX. Hopefully this will get these inquiries removed. Also, XXXX XXXX dated XX/XX/year> should also be removed because this was also not authorized. Also inquiry dated XXXX XXXX... XXXX XXXX XXXX needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wife and I have shared bank accounts, my checking is strictly for my SS and bills. I've had that acct for over 35 years with no issues. Suddenly my checking acct is frozen. I call and find out it is because of a check our friends have written my wife, they are almost XXXX! So the next 2 weeks we were told that letters of check were mailed and that both parties should return with check. ( A CIRCUS REALLY ) This went on a few days, making our elderly, XXXX parents run back and forth to Wells Fargo Branches. All parties show up at wells fargo XXXX PA, after spending all day they are sent away with apology and an everything is ok. Then later that night we try and do banking and our accounts are frozen and any deposits ( MY SS ) have vanished! My mortgage, utilities, Social Security are all tied to that checking account and After Wells Fargo ran my family around like rats I decided to make an appt. to see why my acct was locked?!?! Only to be turned away because your employee said I scared him?!?! I am a XXXX XXXX XXXX adult male w/ XXXX children, and I am XXXX  XXXX. Why my checking account was attacked is beyond me and it has caused my family much pain and financial distress. For something that was not my fault why was a XXXX Wells Fargo Customer of 30+ years treated this way? My family is still dealing with their own account issues. The XXXX PA Wells Fargo Branch is a joke and needs to be shut down. There was zero reason for us to be treated the way we were, NONE. They also have bullies in the fraud dept who I believe were behind this.

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 2025-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
They offered me a second chance in doing the school misconduct loan discharge application, which is fine, but they would not give me the reason why my application was denied. I think this whole situation is ridiculous, especially when all the XXXX XXXX schools have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Dear XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2025-04-05 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: WA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-04-05 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC has not provided requested information that I am by law subjected to retain on demean by law a bill XXXX statement as they have provided is not a purchase agreement with both my signature and the original creditor signature along with daters names and addresses of original creditor XXXX XXXXXXXX, PORTFOLIO RECOVERY ASSOCIATES , LLC proof of license to collect in the state of Illinois along with proof of full investigation into how this was validated how PORTFOLIO RECOVERY ASSOCIATES , LLC was able to illegally obtain my personal information without my written or verbal consent, acts which According to FCRA Section 605b it is illegal to report anything on my credit report without my permission and Any party that violates the FCRA can face penalties and legal action from harmed consumers. These penalties include fines of up to XXXX  of dollars per violation, damages to the affected consumer, and even imprisonment no proof has been provided thus none shall exist I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact such exists

Company response to consumer: Closed with non-monetary relief