vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance. Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i. 2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ). 3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m. 4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness. Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report. 2. Provide me with a written explanation of your findings regarding this matter. 3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable. 4. Provide a copy of all documentation related to this matter, including investigation records. Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o. Please consider this letter as a formal notification and provide a written response to the above requests by XXXX. I expect full compliance in resolving this matter 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 2025-03-14 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance. Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i. 2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ). 3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m. 4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness. Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report. 2. Provide me with a written explanation of your findings regarding this matter. 3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable. 4. Provide a copy of all documentation related to this matter, including investigation records. Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o. Please consider this letter as a formal notification and provide a written response to the above requests by XXXX. I expect full compliance in resolving this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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.

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I can not use the {$200.00} AMEX gift card I was gifted from my boss. I tried via multiple online vendors and even though the AMEX website says I show a {$200.00} balance, the transactions always get declined with the vendor saying the bank XXXX credit card XXXX declined the payment. 

I attempted to add the AMEX as a card as a payment method via my XXXX account, and it declined, but now my card balance shows XXXX pulled {$0.00} off the card balance. 

Steam online gaming platform declined it, XXXX declined it and adding to XXXX was a failure. 

Candidly, I get an AMEX gift card every year from my boss, and I hate it every year. I have to jump through hoops to find a vendor that happens to accept it, and find an amount up to but not over the balance. Nothing about the website is helpful, and I shouldnt have to try this hard to use the money that was already gifted to me. 

XX/XX/year> stars ; do not reccomend AMEX gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX and DOGE employees accessed my personal student loan data without my consent and breached my agreement for the loan. XXXX and personal information was accessed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year>, I was notified by my employer that my wages were going to be garnished. I never received any form of notice in the mail, calls or even emails from anyone stating that I owed the balance that they are garnishing me for. They state I owe {$9300.00} which I do not recognize. The only account I recall that could have been this is over XXXX XXXX XXXX, and my bank was court ordered to take {$5800.00} to settle it. Not only this, but that debt would also be past the statues of limitations to garnish me for. I was never given the opportunity to dispute the debt or appear in court, I wasn't even notified of anything other than my garnishment paperwork that was given to me by my employer. This debt isn't showing on my credit report, there is no record of anything for this debt other than the paperwork I received XX/XX/year>. The address on the court document was to an old address, when I was married to my previous spouse. I do not know who this debt collector is or who they are representing, I don't even know what kind of debt they sued me for. There were no communications to reactive this debt and I feel that my rights have been violated. Not only do I believe the Debt Collector Midland Funding LLC engaged in Unfair and Deceptive practices to obtain a court order to garnish my wages, but I would also like to request a full validation of this debt under 15 U.S. Code 1692g. I am asking for the Garnishments to stop due to Midland Funding LLC committing UDAAP and violating my federally protected rights under 15 U.S Code 1692c. This was due to not notifying me of this debt, allowing me the opportunity to represent myself, or providing me any documentation other than my garnishment paperwork. They were also negligent in their filing, after pulling the court docket up Midland Funding LLC was originally trying to collect from a " XXXX XXXX '' Not XXXX XXXX. I provided a copy of my bank statement showing the withdrawal under " miscellaneous debit '', identity documents, and my debt validation packet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MN

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-03-14 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: NY

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I tried to goto the training center to find some information about the loan but the school is closed and I cant find anything about it anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal dispute regarding inaccurate information on my credit report. 

Dear Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently the Consumer Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumers disputes citing Cham investigations and other unlawful practices. These practices as outlined by the CFPB include : Conducting inaccurate investigations that failed to address consumer disputes properly. Reinserted previous disputes and inaccurate information without explanation. 
Failing to notify consumers of investigation results effectively. 
These allegations are highly systematic that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 

Please review the inaccurate information being reported XXXX XXXX the FCRA you are required to conduct : XXXX a proper investigation into my dispute. Inform me of the results of your investigation in a clear, incomprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation is concluded that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue to the CFPB and other appropriate agencies. 

Thank you for addressing this matter properly, I look forward to your response within the legal mandated XXXX day timeframe. 

Sincerely, 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 2025-03-14 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-14 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 accounts 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 to be removed/updated. 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. 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!

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-14 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated 03/12/25 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-03-14 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: IL

Complaint narrative:
an unauthorized entity ( DOGE ) fraudulently and illegally gained access to all of my loan and debt information. the loan information was edited and messed with, and needs to be discharged and nullified. a XXXX got his hands on MY information and edited it to suit him and his agenda.

Company response to consumer: Closed with explanation