vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) mandates that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, as consumer reporting agencies, are subject to this law, and I, as the consumer, have the right to ensure that my private information is not shared. 

This is further supported by 15 USC 6801, which states that " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Since a furnisher of information to credit agencies is defined as a financial institution under this title, both XXXX and XXXX are bound by this policy. 

According to 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report under the written instructions of the consumer. However, neither XXXX nor XXXX has my written consent to furnish my information. Any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how they can exercise the nondisclosure option. Neither XXXX nor XXXX has informed me of my right to opt-out as required by law. 

15 USC 1681C ( a ) ( 5 ) further emphasizes that consumer reporting agencies can not report adverse items, such as accounts, that are more than seven years old unless specifically authorized. These agencies are reporting an adverse item on my file without my permission, which is a clear violation of the law.

15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) prohibits the furnishing of information to any consumer reporting agency if the information is known or reasonably believed to be inaccurate. Both XXXX and XXXX have failed to meet this standard, as they are reporting inaccurate information about me. 

Under 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific, lawful purposes. XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Finally, 12 CFR 1016.7 confirms that consumers may exercise the right to opt-out at any time. As such, I am formally opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) mandates that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, as consumer reporting agencies, are subject to this law, and I, as the consumer, have the right to ensure that my private information is not shared. 

This is further supported by 15 USC 6801, which states that " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Since a furnisher of information to credit agencies is defined as a financial institution under this title, both XXXX and XXXX are bound by this policy. 

According to 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report under the written instructions of the consumer. However, neither XXXX nor XXXX has my written consent to furnish my information. Any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how they can exercise the nondisclosure option. Neither XXXX nor XXXX has informed me of my right to opt-out as required by law. 

15 USC 1681C ( a ) ( 5 ) further emphasizes that consumer reporting agencies can not report adverse items, such as accounts, that are more than seven years old unless specifically authorized. These agencies are reporting an adverse item on my file without my permission, which is a clear violation of the law.

15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) prohibits the furnishing of information to any consumer reporting agency if the information is known or reasonably believed to be inaccurate. Both XXXX and XXXX have failed to meet this standard, as they are reporting inaccurate information about me. 

Under 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific, lawful purposes. XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Finally, 12 CFR 1016.7 confirms that consumers may exercise the right to opt-out at any time. As such, I am formally opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, Nelnet continues to unlawfully demand payment and misreport the status of the loan, violating XXXX XXXX. XXXX, XXXX XXXX. XXXX ( a ) ( XXXX ), and XXXX XXXX. XXXX ( b ) ( XXXX ). 

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating XXXX XXXX. XXXX, XXXX, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

Nelnet has failed to act in good faith as a fiduciary under XXXX XXXX. XXXX and IRS XXXX XXXX and has violated XXXX XXXX. XXXX, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under XXXX XXXX. XXXX and is a direct violation of XXXX XXXX XXXX, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) DEPTEDXX/XX/XXXX Balance {$5400.00}, DEPTEDXX/XX/XXXX Balance {$11000.00}, DEPTEDXX/XX/XXXX Balance {$26000.00}, DEPTEDXX/XX/XXXX balance {$5800.00}. these student loans are reporting as individual accounts and I have never been to college. I do not owe any student loans because I never been to college. I never even graduated high school.

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 2025-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for failing to remove fraudulent accounts from my credit report and not following Fair Credit Reporting Act ( FCRA ) guidelines. 

XXXX. XXXX XXXX. Fraudulent Account I have disputed XXXX XXXX multiple times, providing my FTC Identity Theft Report, dispute letters, and supporting evidence proving this account is fraudulent. 
Experian refuses to remove it and has responded with The company certified the information is accurate, which is not a valid method of verification under FCRA 611 ( a ) ( 7 ). 
Experian has not provided documentation proving that I authorized this account, which they are required to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} ) Fraudulent Collection This collection account was fraudulently opened and is listed in my FTC Identity Theft Report. 
Despite submitting multiple disputes, Experian has refused to remove this fraudulent collection. 

Experians Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Provide Proper Verification ( FCRA 611 ( a ) ( 7 ) ) : Experian must provide the method used to verify these accounts, not just say they were certified as accurate.

Failure to Delete Fraudulent Accounts After Proof of Identity Theft ( FCRA 1681c-2 ) : Since these accounts were opened fraudulently, Experian is required to block or delete them once I provide proof of identity theft, which I have done. 

Steps I Took : 1. Filed multiple disputes with Experian.

2. Provided my FTC Identity Theft Report as proof of fraud.

3. Submitted supporting documentation, including prior dispute results.

4. Experian responded with a generic verification response instead of actual proof.

5. Experian continues to report these fraudulent accounts, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
On the morning of XX/XX/XXXX I sent a payment ( XXXX $ ) to my step-father via cash app after he lent money to me in XX/XX/XXXX. He offered to return the money back to me if I really needed. So, I requested to keep the money and he then refunded the transaction around XXXX on XX/XX/XXXX. However, the credit never arrived. I reached out for support to Cash app on XX/XX/XXXX at XXXX, see document for photos of conversation, as the payment is usually instantaneous. 

During my initial inquiry they told me that the return can show up in either XXXX ways and to wait XXXX business days before reaching out again. I reached out to both XXXX and Cash app on XX/XX/XXXX as the payment had not arrived. I filed a dispute with XXXX XXXX  on XX/XX/XXXX and also discussed the situation with Cash App support. A Cash App employee told me the payment at XXXX on XX/XX/XXXX had failed and I should see a transaction in 1-3 business days. The claim with XXXX XXXX  was closed without my knowledge because cash app stated they successfully refunded the money. However, my bank account clearly shows that that isnt true, which chase validates. Ive already requested that they open the case and provided them with statements from employee who said the payment failed. 

I have called Cash App multiple times trying to file a dispute and show them the banking statement. Their workers will either talk in circles, hang up on me, put me on hold and then hang up, or send me the same information staying that the payment was successful. Ive made several requests to file a dispute with one employee telling me I dont meet the criteria for a dispute and refusing to share what criteria are necessary for a dispute. 

I work XXXX jobs. It takes me XXXX XXXX XXXX XXXX XXXX  to make XXXX XXXX To me, this amounts to white collar theft and neither my bank or the company will help me. 

Ive filed a complaint with the better business bureau but given the past issues with Cash App, I wanted to file with your department as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX to formally dispute the accuracy of the unauthorized credit inquiries listed on my credit report. I request that these inquiries be deleted from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 
Upon reviewing my credit report, I discovered that the following credit inquiries were made without my authorization : Inquiry by XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry by XXXX XXXX dated [ XX/XX/XXXX ] Inquiry by Factual Data XXXX XXXX XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ] Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a credit report XXXX only be accessed by authorized parties with a legitimate need, such as in connection with a credit transaction initiated by the consumer. These inquiries were not authorized by me and therefore should not appear on my credit report. 
Based on the above, I respectfully request that you delete these unauthorized inquiries from my cred-it file for the following reasons : XXXX. XXXX XXXX : According to XXXX XXXX. XXXX, credit inquiries must be authorized by the consumer or made for a legitimate purpose. These inquiries were not authorized by me and do not meet the criteria for permissible purposes under the FCRA. 
XXXX. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq., I am entitled to an accurate and complete credit report. Since these inquiries were not authorized, they are inaccurate and should be removed from my credit re-port. 
In light of the above, I request that you conduct a thorough investigation and delete these unauthorized inquiries from my credit report. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the legitimacy of these inquiries, I expect them to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX to formally dispute the accuracy of the unauthorized credit inquiries listed on my credit report. I request that these inquiries be deleted from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 
Upon reviewing my credit report, I discovered that the following credit inquiries were made without my authorization : Inquiry by XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry by XXXX XXXX dated [ XX/XX/XXXX ] Inquiry by Factual Data XXXX XXXX XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ] Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a credit report XXXX only be accessed by authorized parties with a legitimate need, such as in connection with a credit transaction initiated by the consumer. These inquiries were not authorized by me and therefore should not appear on my credit report. 
Based on the above, I respectfully request that you delete these unauthorized inquiries from my cred-it file for the following reasons : XXXX. XXXX XXXX : According to XXXX XXXX. XXXX, credit inquiries must be authorized by the consumer or made for a legitimate purpose. These inquiries were not authorized by me and do not meet the criteria for permissible purposes under the FCRA. 
XXXX. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq., I am entitled to an accurate and complete credit report. Since these inquiries were not authorized, they are inaccurate and should be removed from my credit re-port. 
In light of the above, I request that you conduct a thorough investigation and delete these unauthorized inquiries from my credit report. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the legitimacy of these inquiries, I expect them to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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