vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this year. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-03-22 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: MOHELA
State: OH

Complaint narrative:
This account was placed by Mohela, and was fraudulent. My student loans have been forgiven by the federal government. I challenged Mohela and requested investigation by the credit bureaus. The account, there were two, was removed from all of my credit reports beside XXXX. Recently I noticed this account changed to Missouri Higher Education. I have not contracted with Missouri Higher Education, nor do I owe any money for student loans, again, they have been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Two withdrawals were made on XX/XX/XXXX in the amounts of {$6300.00} and {$7800.00} from a Santander HELOC account that is in my name as well as my wife XXXXXXXX XXXX. These payments were made without our knowledge or permission. In addition, this account has been dormant since XXXX. We did not receive any requests to verify or approve of these transactions, nor did we even get a notification after the fact that they had occurred. I discovered the transactions on my own while on the Santander site on XX/XX/XXXX. I have been working with their fraud department as well as their XXXX, NJ XXXX. I have been told and, received a letter stating that an error occurred and that our account will be credited. I was also told on the phone that the " error '' was actually fraud and that is what concerns me. I find it impossible to understand how two large, first-time transactions can possibly take place, in a dormant account, without our permission, and without any security checks such as a verification code being sent. What I am seeking are answers to these questions so that this type of costly breach of security does not happen again. This is what I have been unable to get from Santander up until this point.

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 2025-03-22 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: PA

Complaint narrative:
I am demanding the immediate deletion of this DEPTEDXXXX student loan account from all credit reporting agencies ( TransUnion, Experian, and Equifax ). This account is listed as closed and paid with a {$0.00} balance but continues to appear on my credit report. It was previously disputed and marked as " Dispute resolved ; reported by grantor, '' which I strongly contest. 
Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
We're not exactly sure what date it happened but somehow I lost or got stolen my bag which had my phone my drivers license all of my credit cards in it and clearly it's being used. There are multiple transactions that don't belong to me. With a few exceptions Starting on XX/XX/XXXX, it reads office supplies for {$270.00} that is not mine going all the way to XX/XX/XXXX I don't know what this company is. It's out of XXXX XXXX  and it's {$40.00} all of the transactions from XX/XX/XXXX through XX/XX/XXXX or not mine. I know I made a payment because I thought I had a little bit of a balance left but today I actually went in and looked and this is crazy now remember, I said there were a couple exceptions couple things do belong to me, and the only reason these belong to me is because they were already connected to my account. I didn't have to have the card to use them. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX online tax product These five companies do not dispute. These are my transactions, but just these five companies listed above and like I said those companies were already attached to my account so I didn't have to type anything in it. Just automatically bills. Every other transaction from XX/XX/XXXX through XX/XX/XXXX is fraud we did not make these transactions. No I didn't give anybody permission to use my card. I don't know anybody that would've done this. I don't know exactly when we lost the bag but I'm guessing it was around XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MA

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account for which Ive always made timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information, and its imperative that this information be reported with utmost accuracy. Ive never missed a payment on the following account : XXXX, Account Number : XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If youre unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as Ive consistently upheld my payment obligations without delay.

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 2025-03-22 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: IL

Complaint narrative:
I disputed information on my report and the credit agency is still displaying this information while under dispute.

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 2025-03-22 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:
I disputed information on my report and the credit agency is still displaying this information while under dispute.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-22 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: Nelnet, Inc.
State: MO

Complaint narrative:
I want this situation removed completely off my credit my credit. I called the company to let them know I was receiving any updates or statements. They responded that it was being sent to my email in my spam and I dont check spam. I need this completely remove the account is current, it wasnt my fault and they have added it to my report 4 different times. Please remove this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NY

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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2025-03-22 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: AL

Complaint narrative:
[ SEE ATTACHMENT FOR DETAILS ] Dear TransUnion, I recently reviewed my credit report and was honestly frustrated and disappointed to see that you are reporting a XXXX late payment for XX/XX/XXXX on my XXXXXXXX XXXX XXXX account. This is completely inaccurate I have never been late on this account. 

To make matters worse, you are also reporting this account as XXXX or paying as agreed, while simultaneously listing it as negative with no positive payment history shown. These contradictions don't make sense, and they create confusion and harm when lenders or underwriters review my file. 

Whats especially concerning is that XXXX is reporting this same account as positive, with no missed payments from XXXX - XXXX, which supports my accurate payment history. This inconsistency has real consequences for me. Its unfair that my creditworthiness is being penalized by a reporting error, and it affects my ability to qualify for favorable terms, interest rates, and life opportunities. 

As you know, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires you to use reasonable procedures to ensure the maximum possible accuracy of what you report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) entitles me to dispute this kind of error and request a proper investigation.

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 2025-03-22 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally address an issue regarding my previous dispute about the charge-off reported by XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days ; however, it has now been 31 days since my original request, and I have yet to receive a response. 

In my original correspondence on XX/XX/year> I requested an into the accuracy of the reported charge-off. Under 15 U.S.C. 1681 ( e ) ( b ), I am entitled to a timely investigation and the necessary supporting documentation to substantiate the charge-off claim.

As a reminder, I requested the following information : 1. A copy of the 1099-C form associated with this charge-off. 
XXXX. Evidence that substantiates the charge-off, including any documentation that verifies this claim. 
XXXX. The procedures that were followed to ensure the accuracy of the reporting related to this charge-off. 
XXXX. The name and address of the original creditor, along with any relevant documentation regarding the account. 

I kindly urge you to address this matter promptly, as the delay in response is causing financial distress. Furthermore, if you are unable to verify the accuracy of this charge-off, I respectfully request that it be corrected or removed from my credit report. 

Thank you for your immediate attention to this issue. I look forward to receiving the requested information without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally address an issue regarding my previous dispute about the charge-off reported by XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days ; however, it has now been 31 days since my original request, and I have yet to receive a response. 

In my original correspondence on XX/XX/year> I requested an into the accuracy of the reported charge-off. Under XXXX5 U.S.C. 1681 ( e ) ( b ), I am entitled to a timely investigation and the necessary supporting documentation to substantiate the charge-off claim.

As a reminder, I requested the following information : 1. A copy of the 1099-C form associated with this charge-off. 
XXXX. Evidence that substantiates the charge-off, including any documentation that verifies this claim. 
XXXX. The procedures that were followed to ensure the accuracy of the reporting related to this charge-off. 
XXXX. The name and address of the original creditor, along with any relevant documentation regarding the account. 

I kindly urge you to address this matter promptly, as the delay in response is causing financial distress. Furthermore, if you are unable to verify the accuracy of this charge-off, I respectfully request that it be corrected or removed from my credit report. 

Thank you for your immediate attention to this issue. I look forward to receiving the requested information without further delay.

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 2025-03-22 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: TX

Complaint narrative:
Inaccurate, fraudulent information is reported on my credit report. 
XXXX XXXX XXXX, PA XXXX Acct XXXX Amount {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
Inaccurate, fraudulent information is reported on my credit report. 
XXXX XXXX XXXX, PA XXXX Acct XXXX Amount {$920.00}

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