vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Especially the most recently reported hard inquiries that I did not authorize with XXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX and duplicates of XXXX XXXX XXXXXXXX XXXX only one should be shown instead of 4-5 ).

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 2025-02-01 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: NY

Complaint narrative:
I recently reviewed my credit report and there was accounts I dont recognize.

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 2025-02-01 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: PR

Complaint narrative:
I disagree with account listed below which still appears on my credit report, even after your investigation. I would like this inmeditely re-investigate. The inaccurancies are highly injurious to my credit score. 

Equifax : XXXX XXXX XXXX- Account Number : XXXX TransUnion : XXXX XXXX XXXX- Account Number : 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 2025-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax Data BREACH.

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 2025-02-01 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: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax Data BREACH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I am filing against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) -- ( B ), aas highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/year> & XXXX and & XXXX with a scam alert I reported it but refund was denied. 
XX/XX/year> {$150.00}, {$110.00}, {$550.00}, {$200.00}, {$1000.00}, {$150.00} was taken from my account and I reported it as fraudulent but cash app said that it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
On XX/XX/XXXX, I discovered multiple inaccuracies in my credit report from Experian. I immediately disputed these errors, citing FCRA violations. The bureau failed to properly investigate and correct the issues : Account XXXX  XXXX ( XXXX ) was reported as opened on XX/XX/XXXX with a last payment in XX/XX/XXXX, despite my FTC Identity Theft Report filed on XX/XX/XXXX. This violates 15 U.S.C. 1681c-2. 
Experian failed to remove the XXXX  XXXX account after my initial dispute on XX/XX/XXXX, as evidenced by its continued presence in the XX/XX/XXXX report, violating FCRA XXXX ( a ). 
A XXXX XXXX  XXXX account remains on my XXXX report despite my dispute, breaching 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
An obsolete XXXX XXXX  XXXX account opened in XX/XX/XXXX exceeding the 7-year reporting limit for charge-offs is still present, violating 15 U.S.C. 1681c ( a ) ( 4 ). 
I sent certified dispute letters on XX/XX/XXXX and XX/XX/XXXX, but Experian failed to respond within the mandated 30-day timeframe. Their inaction has severely impacted my credit score and financial opportunities.

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 2025-02-01 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: FL

Complaint narrative:
The account XXXX XXXX with the number XXXX isnt right on my credit report. Its showing a rating of XXXX, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! You also claimed it was last verified on XXXX. Under 15 U.S.C. 1681i, I have the right to know how you checked this. Please share that info with me. Plus, show me proof of the {$380.00}, since I know I dont owe this. By the way, Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) said wrong stuff needs to be removed. Please take care of this. 
Also, see the image above for 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 2025-02-01 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: IL

Complaint narrative:
I am writing to request an immediate update on the status of my Borrower Defense to Repayment ( BDR ) application, which was submitted on XX/XX/year> ( Application # XXXX ). I am seeking full discharge of the loans I took out to attend XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I have been informed that the Department of Education has been reviewing and approving outstanding Borrower Defense applications, and I am eager to know the status of my own case. 

I attended both XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, institutions that are part of the XXXX XXXX XXXX XXXX XXXX As you are aware, these institutions have been implicated in widespread fraudulent and predatory practices, including the misrepresentation of job placement rates. The claim that 90 % of XXXX graduates secured employment in their field of study within six months of graduation was proven to be misleading and false, causing students like myself to take on significant debt under false pretenses. 

Given these established fraudulent practices, I believe my loans are eligible for discharge under the Borrower Defense to Repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
XXXX FCRA & CFPB Violations XXXX XXXX XXXX XXXXXXXX Complaint Number : XXXX Equifax falsely claims that XXXX XXXX XXXX XXXXXXXX is not reporting on the users credit file. However, the user confirmed that the account is still being reported. Additionally, two different Equifax representatives gave contradictory statementsone said the account was not reporting, while another confirmed it was. This contradiction, along with Equifaxs failure to correct the issue, constitutes multiple FCRA and CFPB violations.

Violations Committed by Equifax : 1. Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) Equifax falsely claimed they conducted an investigation, yet the account remains on the users credit file.

2. Failure to Correct or Delete Inaccurate Information ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Equifax failed to remove or update the disputed item despite evidence that it remains reported. 
XXXX. Providing False or Misleading Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Equifax knowingly issued a false response to the CFPB, stating the account was not reporting when it was.

4. Unfair and Deceptive Practices ( CFPB 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) Equifax misrepresented facts in their response to the CFPB and gave conflicting information to the consumer.

5. Failure to Ensure Accuracy in Reporting ( CFPB 12 U.S.C. 5531 ( c ) ) Equifax is responsible for ensuring the accuracy of credit reports and failed to do so. 

Key Evidence : Complaint Number : XXXX CFPB Complaint Response confirms Equifaxs false claim that the account was not reporting. 
Recorded calls with Equifax representatives, proving conflicting statements. 

Next Steps : Equifax must be held accountable for these violations. The user has grounds to : 1. File an FTC complaint for FCRA violations.

2. File a CFPB complaint for deceptive practices.

3. Pursue legal action under FCRA 15 U.S.C. 1681n for statutory and punitive damages. 

Equifax must correct this false reporting immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit age has been stating the longest credit account is XXXXXXXX XXXX XXXX When my XXXX credit account has been stating XXXX XXXX XXXX Ive asked for it to be changed years ago and it still shows the longest age of my credits, is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
The credit age has been stating the longest credit account is XXXXXXXX XXXX XXXX When my XXXX credit account has been stating XXXX XXXX XXXX Ive asked for it to be changed years ago and it still shows the longest age of my credits, is XXXXXXXX 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 2025-02-01 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: MOHELA
State: SC

Complaint narrative:
I have been trying to get out of SAVE since XX/XX/XXXX. They keep closing out my requests without processing them. My first application back in XXXX was to go back into PAYE which I was in before they moved me to SAVE. I have been applying for IBR since then and they keep closing out my requests without processing anything. I filled out another request in XXXX after my another request was made in XXXX was closed out for no reason. It has now been over XXXX months without processing my most recent application. They sent me a document saying my payments would be more than XXXX times what it should be. I contacted them again. They said they are backed up and haven't processed the IBR request. The new repayment schedule which is XXXX times more than it should be shows that it will start in XX/XX/XXXX. I want out of forbearance and into the IBR plan I have applied for for numerous months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Subject : Request for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I am writing to formally request the method of verification regarding the investigation of a disputed item on my credit report, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

While I may not have a complete list of accounts currently under dispute, I am aware of the following account ( s ) on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this request applies to all disputed accounts, not just those listed above.

According to the FCRA, if a consumer requests the method by which the information was verified, the credit bureau is required to provide this information within 15 days of the request. I am exercising my right to request this documentation, including : 1. The name, address, and contact information of the entity that verified the disputed information.

2. A detailed description of the procedures used to verify the accuracy of the disputed item.

3. Copies of any documents obtained during the investigation that were used to verify the item. 

Please provide this information in writing within the required time frame. If you are unable to verify the accuracy of this information through independent documentation, I expect the disputed item ( s ) to be deleted from my credit report immediately, as required by the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response. Please send your reply to the address listed above. 

Sincerely, 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 2025-02-01 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: GA

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. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-02-01 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: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-02-01 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My husband passed away on XXXX/XXXX/XXXX. On XX/XX/XXXX I made an ACH payment of {$260.00} to pay off the balance on his Citi Bank XXXX XXXX card. ( As I have done with all his other CCs with no problem ). I was my intention to track his CC for recurring payments and pay off balances, prior to closing. Later that same month I see that Citi Bank had ( supposedly ) returned the payment I made and began charging interest on his account. I called Citi Bank and let them know that my husband had passed away. I said I would like to pay off balances and asked why they had returned payment. They said they would take finance charges off account but I could not pay off account and I would be getting bill from XXXX XXXX. At that point account was closed and I was no longer able to access his records. 
In early XXXX, I received a bill from XXXX XXXX for {$670.00} but with no details of specific charges or merchants, which I expected and need for my records. On XX/XX/XXXX, I called Citi Bank Probate department requesting the last XXXX statements from husbands account showing itemized charges and merchants. I also complained to them about how they had handled his CC, especially for someone who had always paid his bills on time. They said they needed marriage license and death certificate, which I provided them. On XX/XX/XXXX, I got a letter from Cit Bank stating they could not provide me with the statements as it wasnt clear that I was authorized to act on husbands behalf. Mind you, I live in NM, which is a community property state, so marriage license and death certificate should have been sufficient. But on XX/XX/XXXX, I provided them with Durable Power of Attorney showing me as agent, again requesting last XXXX statements, prior to paying of any bill. 
Then, in researching this further, I find that the {$260.00} payment I made back in XXXX, which was supposedly retuned to me by Citi Bank, has not been credited back to my account. ( The XXXXCH department of my bank is requesting the XXXX tracer number so they can research if further ). 
On XX/XX/XXXX, I requested the XXXX tracer number on the supposedly returned ACH payment and again requested the last XXXX statements on husbands account. Again, I let them know how poorly they had handled the situation. At best, it is incompetence with systems not communicating, at worst, fraudulent practices by Citi Bank. And again, I am not going to pay off anything until I receive the information I have requested and to which I am entitled.

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