vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
CashApp, Ive been having an identity verified card for well over XXXX years which allowed me to borrow extra cash when needed. Today when I tried to borrow it stated I needed to verify my identity, so Im like thats interesting Ive already done this before thats how Im already able to borrow. I then tried to re verify again and it stated that my information was incorrect. After input my information XXXX times it then locked my account, so I contacted a support representative told and explained to them what was going on. They then sends me a canned response stating to make sure that my account info that they have on file matched the info Im putting in. At this point Im sitting with my drivers license and my ssn card and re inputting the identity verification on once again. It fails again so the rep goes on to tell me that the name on my account belongs to another person which whom I know whom is my mother. I then stated that I know the person he is stating name was on the account. I then tell him there is no way that is possible when I created my own account and I dont even live with my mother at all. He then proceeded to tell me that I used to different ssn numbers on my account. Ill like how is that even possible and didnt you guys verify my information not to long ago thats how Im able to borrow cash from you. He then tells me I need to create a new account. At this point I created a new Cash App account and tried to verify my account that wasnt even XXXX seconds old and it gives me the same error as it did with my XXXX year account Im originally having this same issue with. This company needs to be investigated because something isnt right. It sounds to me like my personal information has been compromised over at CashApp and they refuse to fix the issue. I have included screen shots where you can see my account was verified previously and I was able to borrow and repay. The other screen shot shows after I went to borrow it asked me to verify my identity again and this time its saying my info is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NM

Complaint narrative:
XX/XX/year>, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX ( XXXX  ) to gain access to multiple internal systems within the Department of Educations, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. 

I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( FERPA ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 

As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. XXXX explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information.

Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent.

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as XXXX or affiliated organizations. 

3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with FERPA regulations and other applicable privacy laws.

I expect a prompt response to this dispute within 30 days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.

Please contact me at [ your phone number ] or [ your email address ] to discuss this matter further or to provide updates on the status of your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-17 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I applied for Public Service Loan Forgiveness ( PSLF ) and elected to have my loans placed in forbearance while my application was being processed. I received a letter from the Department of Education stating that my loans had been requested for forbearance, but only half of them were actually placed in forbearance.

I contacted MOHELA to ask why only part of my loans were put into forbearance. The representative could not provide an explanation but stated that she could place the remaining loans into forbearance. I agreed and also requested that my autopay be adjusted so no payments would be withdrawn from my bank account.

Despite being told that the remaining loans would be placed in forbearance, that did not happen. As a result, I now have a late payment that will not count toward PSLF forgiveness. This is an error on MOHELAs part, and I am requesting that the late payment be removed and my PSLF progress remain unaffected. 

Please correct this issue immediately and confirm that all my loans are in forbearance as originally requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I disputed a collection added to my report XXXX from NATIONAL CREDIT SYSTEMS. XXXX deleted the collection on XX/XX/XXXX but then added it back after it was removed. This debt is not mine. The management company I used to rent from tried to sue me unpaid rent, the judge didn't agree with their story, and their case was dismissed without prejudice. They never brought the case back, and meanwhile XXXX decided even after it was deleted off my my and my wife 's report to put back on. It was removed off XXXX and XXXX without any further problems after we sent in our court case documents, only XXXX chose to re-add it back after it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I called the number listed on my credit to let them know that I don't owe them anything their an unknown company on my credit report would be reporting this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
National Credit Systems is reporting a collection account with the following details : Account Name : NATIONAL CREDIT SYSTEMS XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$10000.00} Date Opened : XX/XX/XXXX Pay Status : >Collection< Date Updated : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< What information did I request? 
I have disputed this collection account multiple times, requesting verification under 15 U.S.C. 1681s-2 ( E ) ( i ), which requires furnishers to conduct a proper investigation into disputed information. National Credit Systems has failed to provide any response to these certified disputes, rendering the account unverifiable and unreliable.

Under 15 U.S.C. 1681i ( a ) ( 1 ), furnishers must conduct a meaningful investigation when a consumer disputes information. However, despite multiple certified disputes, National Credit Systems has repeatedly ignored its duty to validate this account or substantiate the balance, original creditor records, or proof of legal authority to collect.

National Credit Systems Failed to Provide Legally Required Notice Beyond failing to verify the account, National Credit Systems also violated 15 U
.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide legally required written notice of this alleged debt within five days of furnishing it to a credit bureau. This deprived me of my right to dispute the debt before it was reported, making the account improperly furnished from the outset.

Since National Credit Systems never provided validation or any opportunity to dispute the debt before it was reported, this collection account must be removed immediately due to non-compliance with federal consumer protection laws.

Reporting This Account Is Unfair Under the Law of Equity Even if the alleged debt were valid, continued reporting under these circumstances is fundamentally unfair and serves no equitable purpose. National Credit Systems : Failed to verify the debt despite multiple disputes Never provided legally required notice of the collection Continues to report unverified information that negatively impacts me without justification Under equitable principles, a data furnisher should not be allowed to inflict undue financial harm on a consumer when it can not even comply with federal dispute and notification requirements. Since National Credit Systems has ignored every verification request and failed to fulfill its legal obligations, the only appropriate resolution is permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-17 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an credit card with capital one so one night I was making a payment to my credit card & me being fast I used an old account thats still on file to make a payment once I realized i instantly cancelled the payment & made payment from my capital one savings account where I make all my credit card payments from so I wake up & see my account restricted so I called capital one & explained to them the situation so they requested bank statements from my capital one checking & savings account & also the external account which is closed, so I sent the bank statements from each account now there telling me to provide a bank statement with full account numbers & im explaining that banks dont usually send documents in the mail with full account numbers so Im trying to reason with them to find a solution to this problem & there basically just shoving me off I cant even make a payment to ensure my credit dont get affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance & Huffman LLC A debt collector is claiming that I owed them {$3300.00} from XXXX XXXX the origional creditor. This account was closed on XX/XX/year> due to XXXX XXXX XXXX write-off by XXXX XXXX is on my credit report. this is illegal for a debt collector to collect from a debt that was already closed due to profit loss write-off. Asked for debt validation according to 15usc1692g 1-send me a detail list of my history of payments made by me on this account XXXX want to see the signature that I put on a contract guaranteeing that I would pay this creditor XXXXI'am asking to see has there been any insurance claim found on this debt XXXX and lastly I want proof that you have the chain of title to collect on this debt I want this matter to be resolved and taken off from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: VA

Complaint narrative:
First instance was being scammed and provided all the information they required only to state they can not refund money and have no information on the recipient. 

Second was person sending me a {$1000.00} through my email to obtain it, I contacted Cash app and they stated not to verify email, to accept it through cash app. They saw the funds, but would not release it due to amount of transfer. 

Third instance was closing accounts due to fraud after submitting a complaint, they stated I violated terms of gambling, but will not specify what what or when violation occurred. I contacted them through email, no updates, just the same email stating read terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-17 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: NH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief