vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XX/XX/XXXXBalance {$620.00} Updated on XXXX XXXX, 2025 XX/XX/XXXX XXXX Balance {$1100.00}XX/XX/XXXXXXXX Balance {$1700.00} XX/XX/XXXXXXXX Balance {$350.00} XXXXXX/XX/XXXXXXXX Balance {$1500.00} XXXX Balance {$55.00} Updated on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: OR

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: OR

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
The wrong information was on my report the wrong name and incorrect date of birth also was wrong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed a fraudulent collection. I do not know anything about these charges or the address listed. The account is from XXXX XXXX XXXX for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed a fraudulent collection. I do not know anything about these charges or the address listed. The account is from XXXX XXXX XXXX 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 2025-02-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 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 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 2025-02-09 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: NY

Complaint narrative:
I would like these inquires to be remove so my credit report can report accurately INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Request for Student Loan Dismissal Due to Data Breach Violation Dear XXXXXXXX XXXX XXXX  I am writing to formally request the dismissal of my student loans serviced by MOHELA due to a significant data breach that has compromised my personal and financial information. As a borrower, I entrusted MOHELA with the security of my sensitive data, and their failure to protect this information has resulted in a violation of my rights and financial well-being. 

Upon learning of this breach, I have taken necessary steps to safeguard my identity and financial security, including monitoring my credit and reporting the issue to the relevant authorities. However, this breach has caused irreparable harm, and I believe that I should not be held accountable for loans managed by an entity that has failed in its duty to secure my information. 

I request clarification and immediate action on the following : Confirmation of the Breach : Please provide official documentation regarding the extent and impact of the data breach involving my student loan records. 

Dismissal of My Loans : Given the violation of my privacy rights, I request that my loans be dismissed as MOHELA has breached its contractual and ethical obligation to protect borrower information. 

Protective Measures : I seek assurance that further steps will be taken to prevent future breaches and that impacted borrowers are provided with appropriate remedies. 

Legal Justification : If my loans can not be dismissed immediately, I request a detailed explanation, citing federal regulations, as to why borrowers impacted by MOHELAs negligence are still required to repay their loans. 

This breach has caused me significant stress, financial insecurity, and has violated my trust in the federal student loan system. As a borrower, I should not be penalized for the servicers failure to uphold its responsibilities. 

I expect a thorough review of my request and a written response within [ reasonable timeframe, e.g., 14 days ] from the date of this letter. If this matter is not addressed appropriately, I will escalate my concerns to additional regulatory agencies and pursue further legal remedies. 

Thank you for your immediate attention to this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Date opened says invalid on credit report. 
When was in college I filled out an application for residency so I would have somewhere to stay. The place applied to sent me a lease and move in date. I never wanted to move in. I jist wanted to tour it and decide. 
Next thing I know I have a lease, move in date and I never once stepped foot on the property or wished to be a tenant. 
I reached out and received hatred and no help and they sent this mess to collections. So either someone used my information I applied with or I was wrongfully charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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 Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
The app showed I had a balance of {$4500.00}, it showed if I pay this amount on or before XX/XX/XXXX there would be no finance charges. 
I paid {$4500.00} in various amounts all before XX/XX/XXXX. 

My payments XX/XX/XXXX {$120.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$38.00} Every time I paid a payment it showed a different amount remaining. So my final payment was {$38.00} and that bought it down to a XXXX balance. 

On XXXX when the new statement came out I was charged {$74.00} interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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 2025-02-09 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the actions of Equifax regarding the inaccurate information reported on my credit report. Equifax has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected Equifax to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to Equifax requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ]. Equifax failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies Equifaxs negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address Equifax 's negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I informed XXXX that the, collection accounts that are in their report are not mine and would like them to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-09 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: AZ

Complaint narrative:
I am requesting deletion of these accounts to all credit bureaus. There have never been late payments and these inaccurate details shall be removed immediately

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 2025-02-09 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: AZ

Complaint narrative:
I am requesting deletion of these accounts to all credit bureaus. There have never been late payments and these inaccurate details shall be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I am requesting deletion of these accounts to all credit bureaus. There have never been late payments and these inaccurate details shall be removed immediately

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 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent multiple letters to Portfolio Recovery Associates requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response to my letters, Portfolio Recovery Associates has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened. 

I have sent certified letters on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and each time I have received the same response without proper verification. I am requesting that these debts be fully validated with documentation that includes my signature or be removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had four unauthorized transactions from a XXXX in XXXX, New Jersey. I currently live in Ohio and have never been to New Jersey. Of the four transactions, three of them were for {$30.00} and approved as unauthorized transactions and the money was refunded. One of the charges was for {$98.00} for the same place on the same day at the same time and that transaction was denied and they claim that I made the transaction or somehow approved it which I did not. The company that I bank with is venmo. They are currently asking me for more information on the investigation but won't explain what they need or if anything they need and won't explain why the first threXXXX transactions were approved and the fourth one wasn't

Company response to consumer: Closed with monetary relief