vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms.

Pursuant to the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only incorrect but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any incorrect or fraudulent information on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
The following accounts listed are not mine and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under The Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FC HoldCo LLC
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized XXXX XXXX XXXXXXXX to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXXXXXX XXXX XXXX 
2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX XXXX 
3. The name and contact information of the individual or department within XXXX XXXX responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint against XXXX, TransUnion, and XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance standards. Despite multiple disputes, these credit bureaus continue to report inaccurate, unverifiable, and misleading information on my credit reports. They have failed to conduct proper investigations as required under 15 U.S.C. 1681i and rely on the E-Oscar system for automated verifications instead of manual reviews. 

The issues include : XXXX XXXX : Reported as a charge-off on XXXX with a {$6000.00} balance but not reported by TransUnion and inconsistently handled XXXX XXXX. 
XXXX XXXX XXXX : Listed as a collection account on XXXX without validation, not reported on TransUnion, and inconsistently handled by XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX : These accounts are reported twice on XXXX, artificially lowering my credit score. TransUnion and XXXX report these differently. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : This account is reported as a charge-off every month, preventing the statute of limitations from running. This violates Metro 2 standards and misrepresents the delinquency timeline. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX is listed on XXXX but not on TransUnion or XXXX. Courts do not report child support to credit agencies, making this entry unauthorized. 
Unauthorized Hard Inquiries : There are multiple hard inquiries on my reports that were not authorized, violating 15 U.S.C. 1681b. 

I demand that these inaccuracies be permanently removed from all my credit reports and that the credit bureaus conduct proper manual investigations. Additionally, I am requesting a cease and desist on any further communication or reporting of collection accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  without proper debt validation as required by 15 U.S.C. 1692g. 

This is my fourth attempt to dispute these inaccuracies. The credit bureaus continued failure to comply with federal laws has caused significant financial and emotional harm. I request the CFPBs intervention to resolve these issues.

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
FOUND ITEM IN MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND DILLIGENTLY DISPUTED FOR MORE THAN SIX MONTHS TO WHICH THEY RESPONDED VERIFIED, I SIMPLY ASK FOR DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
The inaccurate information from XXXX XXXX XXXX  in the amount of XXXX are fraudulent chargers and I have no knowledge of the account. This account should be removed from my account no less then 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to dispute the accuracy of information reported on my credit report regarding account number XXXX XXXX. Specifically, I am disputing the reported late payments associated with this account. I request that you correct this inaccurate information immediately. 

I am referencing the following federal laws in support of my dispute : 15 USC 1681i ( Procedure in case of disputed accuracy ) : This section outlines my right to dispute inaccurate information and your obligation to conduct a reasonable reinvestigation.

15 USC 1666b ( Credit billing ) : This section may be applicable if the account in question is a credit card account, and addresses billing errors. Please investigate if any billing errors contributed to the reported late payments. 

15 USC 1681e ( Compliance procedures ) : This section outlines your responsibilities regarding maintaining accurate and verifiable information. 
I am requesting that you remove all late payment notations for account number XXXX immediately. I am not requesting the deletion of the account itself, only the removal of the inaccurate late payment information. 

I expect a prompt and thorough investigation into this matter. Failure to correct this inaccurate information and remove the late payment notations will leave me no choice but to pursue all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Please provide me with written confirmation of the corrections made to my credit report within 14 days.

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 2025-01-31 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & TransUnion XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668. 
Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I keep on dispute inaccuracy on my credit report and every month all I get in the mail is a letter saying verify I don't think someone is looking at my disputes ( I mean a actual person ) I think this practice is wrong and all my disputes items need to be deleted ASAP because it as been 5 month disputing them.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I keep on dispute inaccuracy on my credit report and every month all I get in the mail is a letter saying verify I don't think someone is looking at my disputes ( I mean a actual person ) I think this practice is wrong and all my disputes items need to be deleted ASAP because it as been 5 month disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate collection account reported by XXXX XXXX on my credit report. I have repeatedly requested proper validation of this debt and have provided all necessary documentation to support my claim. Despite my efforts, this account continues to be inaccurately reported by Experian and XXXX XXXX XXXXXXXX has already removed it. 



Grounds for Dispute 1. Failure to Provide Proper Debt Validation : I requested a validation of this debt bearing my wet signature, as is my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In response, XXXX XXXX provided a leasing agreement that does not contain my signature. This does not meet the legal standard of proper validation and demonstrates that this debt is inaccurate and unverifiable. 

2. Inconsistent Reporting : XXXX has removed this account from my credit report after proper review, further confirming the inaccuracy and unreliability of this collection account. Experian and XXXX continued reporting of this account is inconsistent with the evidence. 

3. Failure to Investigate Dispute Properly : Both Experian and XXXX are required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed accounts. The failure to remove this unverifiable debt demonstrates a violation of this obligation.

Request for Immediate Action I respectfully request that Experian and XXXX : Immediately remove the collection account from my credit report due to lack of proper validation and evidence of inaccuracy. 

Provide written confirmation of this removal. 


Supporting Documentation Attached : Copy of my debt validation request sent to XXXX XXXX. 

Copy of XXXX XXXX response, including the leasing agreement without my signature. 

Copy of my XXXX credit report showing the removal of the account. 


This dispute is urgent, as the continued inaccurate reporting of this debt is causing significant harm. Failure to address this matter promptly may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 


Thank you for your attention to this matter. I look forward to your prompt resolution. 

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation