vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I formally dispute the accuracy of my student loan information due to recent FERPA and FCRA violations, including unauthorized access to my records. Specifically, I allege violations of FERPA Unauthorized disclosure of my educational records to DOGE on XX/XX/XXXX., FCRA 15 USC 1681q My credit report was accessed by DOGE on XX/XX/XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA 15 USC 1681b My credit report, containing my student loan information, was accessed by DOGE on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. I also invoke my rights under FCRA 15 USC 1681i, demanding a reasonable reinvestigation within 30 days of the following disputed items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX * * U XXXX XXXX XXXX XXXX  Account # XXXX * * XXXX XXXX XXXX XXXX XXXX Account # XXXX * * XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX * * XXXX XXXX XXXX XXXX XXXX Account # XXXX * * These inaccuracies violate FERPA and consumer protection laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within 30 days detailing your investigation and corrective actions.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I closed my credit card account with XXXX, last year. They are continuing to charge a maintenance fee and annual fee, although the account is closed. I have a small balance I am still paying. Although they say I agreed to these charges while I have a balance, I understand that it is against the law to charge for these fees on a closed account. They are refusing to remove the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-22 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: MA

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX XXXX a certified debt validation request in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). I also offered a pay-for-delete settlement. In response, they failed to provide legally required documentation. 

They did not supply a signed agreement from the original creditor ( XXXX XXXX ), no legal assignment proving they have standing to collect, and no full itemized breakdown of the amount they claim I owe. What they sent were generic statements and ownership summaries that do not meet federal validation standards. They only provided old account statements and vague summaries without any original contract, signed agreement, or itemized calculation of how the current balance was reached. This not fill validation and fails to meet the legal standards. 

Despite failing to validate the debt, XXXX continues to report the account to all three major credit bureaus. This is a violation of both the FDCPA and the FCRA, especially since they did not mark the account as " disputed '' after receiving my letteranother violation under 15 U.S. Code 1692e ( 8 ).

They are actively damaging my credit by reporting unverifiable information, and their response does not satisfy federal requirements for debt validation. I am requesting that this account be permanently deleted from my credit reports and that enforcement action be taken against XXXX for repeated noncompliance.

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 2025-04-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
My cash app account has been closed for no reason since XX/XX/year>. Right when I noticed this I tried to find a cash app customer service number to call them but the one I found was offline. So I went to the chat with customer service and told them what was going on and they said they would look into it. I didnt hear from them until a month later. I have never had this problem before and it sucks that I could even without the little money I had in there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I am submitting this complaint to formally request that TransUnion correct inaccurate balances reported by XXXX from XX/XX/XXXX to the present. My former request only asked Experian to correct my report. 

In XX/XX/XXXX, I consolidated my federal student loans previously serviced by XXXX. The loans were paid in full at the time of consolidation, and the new consolidated loan is now serviced by XXXX. However, as of XX/XX/XXXX, all three credit bureaus Experian, Equifax, and TransUnion continue to report open balances with XXXX. 

This reporting is inaccurate. My XXXX account confirms that all loans were paid off and closed in XX/XX/XXXX with a {$0.00} balance. I have attached my most recent TransUnion and Experian credit report dated XX/XX/XXXX, which incorrectly reflects active XXXX balances. Ive also attached screenshots from XXXX XXXX confirming the loans are closed and have maintained a {$0.00} balance since XX/XX/XXXX. 

I respectfully request that XXXX student loan servicer update its reporting to bureaus to ACCURATELY reflect that these loans were paid in full and closed at the end of XX/XX/XXXX, and that all historical reporting from XX/XX/XXXX through XX/XX/XXXX be corrected to show {$0.00} balances and closed account status. These accounts should not appear as open, delinquent, or active during this time frame. 

Despite submitting disputes to both XXXX and Experian, I have yet to receive a resolution. The continued misreporting misrepresents my financial standing and is negatively affecting my credit profile by inaccurately suggesting I owe a balance to XXXX when I do not. 

Thank you for your attention to this matter. I am requesting prompt and accurate correction across all three credit bureaus.

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 2025-04-22 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: NJ

Complaint narrative:
I am submitting this complaint to formally request that TransUnion correct inaccurate balances reported by XXXX from XX/XX/XXXX to the present. My former request only asked Experian to correct my report. 

In XX/XX/XXXX, I consolidated my federal student loans previously serviced by XXXX. The loans were paid in full at the time of consolidation, and the new consolidated loan is now serviced by XXXX. However, as of XX/XX/XXXX, all three credit bureaus Experian, Equifax, and TransUnion continue to report open balances with XXXX. 

This reporting is inaccurate. My XXXX account confirms that all loans were paid off and closed in XX/XX/XXXX with a {$0.00} balance. I have attached my most recent TransUnion and Experian credit report dated XX/XX/XXXX, which incorrectly reflects active XXXX balances. Ive also attached screenshots from XXXX XXXX confirming the loans are closed and have maintained a {$0.00} balance since XX/XX/XXXX. 

I respectfully request that XXXX student loan servicer update its reporting to bureaus to ACCURATELY reflect that these loans were paid in full and closed at the end of XX/XX/XXXX, and that all historical reporting from XX/XX/XXXX through XX/XX/XXXX be corrected to show {$0.00} balances and closed account status. These accounts should not appear as open, delinquent, or active during this time frame. 

Despite submitting disputes to both XXXX and Experian, I have yet to receive a resolution. The continued misreporting misrepresents my financial standing and is negatively affecting my credit profile by inaccurately suggesting I owe a balance to XXXX when I do not. 

Thank you for your attention to this matter. I am requesting prompt and accurate correction across all three credit bureaus.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-23 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: NM

Complaint narrative:
Accounts : XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX  XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 

Hard Inqueries : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NM

Complaint narrative:
Accounts : XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX  XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 

Hard Inqueries : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a XXXX mature at Ally Bank yesterday. Today, I requested that funds be transferred to another bank. I tried to do it online and got messages saying the system encountered a problem and to try later. I called Ally and was on the phone over XXXX hours, transferred to multiple people. I was told that it couldn't be done online because of the high $ amount and that someone would call me in a couple of business days. This is completely unacceptable. When a XXXX matures, it should be easy to make arrangements to close the XXXX and transfer the funds.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I emailed XXXX with an attached Form XXXX Notice of XXXX XXXX Bankruptcy case to cease collecting the account. This account was XXXX on XX/XX/XXXX, and is included in the list of creditors. On XX/XX/XXXX, I received a collection letter offering payment options. I called the customer service, spoke to XXXX on XX/XX/XXXX, and confirmed that XXXX had the account listed as XXXX in XXXX XXXX. However, they will not report it correctly to TransUnion and XXXX. They continue to report it as past due and now in collections, and she said they will continue to until it is paid. This violates the discharge issued by a federal court.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief