vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern : I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning information on my credit report. Despite my efforts I have provided evidence to support my claims. Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Under XXXX XXXX XXXX Maxium Possible Accuracy. 

The inaccurate accounts in question are : XXXX XXXX XXXX XXXX {$2100.00} Account # XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} Account XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Account # XXXX XXXX Bank XXXX {$1400.00} Account XXXX XXXX XXXX have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic verified statements without explaining their investigation process or correcting errors. 

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approved for credit, housing, loans etc. 

I am requesting the following actions from Experian through CFPB. 
Conduct a proper and thorough investigation into the accounts Ive disputed. 
Provide me with a detailed explanation of the steps they have taken to verify the information. 
Remove any inaccurate or unverifiable information from my credit report. 

I am attaching all relevant documents, including dispute letters, Experians responses, and supporting evidence to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that Experian complies with Federal Laws to protect consumers like myself. 

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 2025-05-05 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: KY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX * * * * * * * * Balance Owed : {$4700.00} Date Opened : XX/XX/XXXX late XXXX, and 90 days from XXXX to XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

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 non-monetary relief
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
In a letter dated XX/XX/XXXX, I received a letter from my loan servicer telling me that my loan would remain in an administrative forbearance until XX/XX/XXXX and that I didn't need to do anything until XX/XX/XXXX. During the week of XX/XX/XXXX, I happened to log into my servicer 's ( Aidvantage ) website, to confirm the date. The dates it shows that my forbearance ends is XX/XX/XXXX, and not XX/XX/XXXX. I called the servicer and was told that my forbearance ended XX/XX/XXXX. I told the representative that I have 3 different dates that the forbearance would end, and I don't know which date was accurate. The representative proceeded to tell me that the XX/XX/XXXX date was accurate. I explained that I had not received any communication telling me that. I asked her if a letter had been sent to me. She said notifications were set up to go to my phone. I asked her why that wasbthe case ask I had been getting notifications via XXXX postal mail and I hadn't requested that it be changed. I asked that she provide the dates notifications were sent to my phone and to provide me with a copy that was said to have been sent to my phone. She said she didn't see that anything had been sent to me. I explained that had I not called or logged into my online account, I would have never known when the Administrative forbearance would end. As it stands I still don't know when my forbearance will end under the SAVE repayment plan. I'm concerned about my credit being negatively affected for the loan servicer 's failure to provide me with accurate notifications of what is to be expected ; therefore, I am asking you for help in getting this matter resolved.

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

Complaint narrative:
My CashApp account was closed due to terms of service violations- but I only send receive money from XXXX people - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the last week in XX/XX/year>, CashApp closed my account for no reason. 

On XX/XX/year>, I tried to appeal and CashApp responded that : " We have determined that you are not eligible to appeal your account closure. '' By saying that my account was '' not eligible to appeal '', I assume that means nobody even checked to see if I was actually in violation of term of service, which I certainly am not since I am sending money to family members. 

I called XXXX. and spoke with a human, but neither was able to reverse the ruling, despite my explanation that these XXXX people I send money to are not in violation of terms of service. On the second call I was offered a manager callback, but was never contacted. 

This denial of access to such a large mobile payment transfer network is causing significant damage to my family 's well being and financial security. XXXX XXXX XXXX XXXX is in another state, and I was using Cash App to quickly transfer funds for XXXX  expenses and day to day needs. This loss of access makes it much harder and more expensive to send her money on short notice. 

I think banning, after many years with the Cash App service under this account, was a political retaliation. I rarely post on social media, but I made a conservative social media post concerning the XXXX XXXX XXXX XXXX XXXX plans to block the sun and salt the earth, and the next day my Cash App was taken. 

XXXX XXXX XXXXXXXX These XXXX XXXX articles, of which many were published from reputable news outlets, have all now been scrubbed from most search engines, and replaced with non credible XXXX sources and XXXX posts XXXX so apparently this information posed a problem for the powers that should not be. 

I am filing this complaint not because I expect Cash App to reverse this abusive and censorious practice, but as evidence so I can join any future class action lawsuits that may emerge regarding abuse by XXXX XXXX tech companies against those who share conservative opinions online. 

This abusive and retaliatory action to ban me from access to the US financial system, without cause or recourse to appeal, has been substantially harmful to XXXX XXXX XXXX XXXX XXXX  and myself. The failure to offer a review, or any course of appeal to this egregious and unevidenced ban, even after speaking with a human, may well be taken as evidence of the deliberate and intentional nature of CashApps retaliation against those whose speech it does not approve of.

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

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

XXXX XXXX  XXXX

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

Complaint narrative:
I am a victim of identity theft, as confirmed by : FTC Identity Theft Report # XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking of the following fraudulent derogatory accounts from my credit reports within 4 business days. These accounts were opened without my knowledge or consent : Fraudulent Accounts to Block TransUnion XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXX XXXX Fraudulent Balance : {$4600.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$160.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$170.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Status : 60 days past due Experian XXXX XXXX XXXX XXXXXXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$16000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Balance : {$290.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$220.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$15.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor XXXX XXXX Fraudulent Balance : {$1000.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Fraudulent Balance : {$1100.00} XXXX CXXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX Fraudulent Balance : {$160.00} Equifax XXXX XXXX XXXX XXXX Delinquency XXXX Account # : XXXX Status : 120+ days past due XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$170.00} XXXX ( Collections ) Account # : XXXX Status : Paid collection

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 2025-05-05 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 a victim of identity theft, as confirmed by : FTC Identity Theft Report # XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking of the following fraudulent derogatory accounts from my credit reports within 4 business days. These accounts were opened without my knowledge or consent : Fraudulent Accounts to Block TransUnion XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXX XXXX Fraudulent Balance : {$4600.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$160.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$170.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Status : 60 days past due Experian XXXX XXXX XXXX XXXXXXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$16000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Balance : {$290.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$220.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$15.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor XXXX XXXX Fraudulent Balance : {$1000.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Fraudulent Balance : {$1100.00} XXXX CXXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX Fraudulent Balance : {$160.00} Equifax XXXX XXXX XXXX XXXX Delinquency XXXX Account # : XXXX Status : 120+ days past due XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$170.00} XXXX ( Collections ) Account # : XXXX Status : Paid collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information whit complete accuracy. this account has not been late payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action

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 2025-05-05 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: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX My personal and financial information was compromised without my authorization. I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records. 
XXXX XXXX and his team DOGE accessed my private account and data. They are unauthorized parties and they did not have my permission to access my records. This according to the court of law is a breach of privacy. The Family Educational Rights and Privacy Act ( FERPA ) strictly prohibits unauthorized access, modification or deletion of student records without the explicit consent of the student or borrower only. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. 

This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information. I am formally escalating my demands and expect the following action within XXXX  days : * A comprehensive investigation * A full documented investigation into the unauthorized access and deletion of my student loan records. 
* I request that you immediately cancel and discharge my student loan debt in full. 

I expect a written summary detailing your findings. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief