vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the XXXX XXXX Bank account ( Account XXXX : XXXX ) ** on my credit report due to its inconsistent and inaccurate payment history. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, verifiable, and consistent. The payment history on this account contains " Unknown '' notations and conflicting statuses, which violates multiple provisions of the FCRA. 

Violations of the FCRA : Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. 
Reporting an account with inconsistent payment history and unexplained " Unknown '' entries violates this requirement and creates an inaccurate and misleading credit report. 
Obligation to Reinvestigate Disputed Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes an account, the credit bureau must conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information. 
Since the payment history contains unclear and conflicting data, XXXX has failed to meet this standard. 
Requirement to Delete Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the accuracy of disputed information can not be verified, it must be deleted from the consumers credit report. 
If XXXX can not provide clear and consistent payment history records from XXXX XXXX Bank proving this account is valid, it must be removed immediately. 
The continued reporting of this inconsistent and unverifiable information is a direct violation of the FCRA. I demand that this account be immediately removed 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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, Square deactivated my business account without prior notice and is currently holding {$300.00} in funds. I have repeatedly reached out to Square for clarification on why my account was deactivated and when I can expect my funds to be released, but I have received no clear response or timeline. 

Squares decision has directly impacted my ability to operate my business, and their refusal to provide a legitimate reason violates fair business practices. The funds being held were from legitimate customer transactions, and I have not engaged in any prohibited activities. 

I am requesting : 1. A formal explanation of why my account was deactivated.

2. The immediate release of my withheld funds.

3. A direct response from Square regarding this issue.

I urge the CFPB to step in, as Square is preventing me from accessing my legally earned revenue without cause or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-03-14 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX ; XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-14 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-03-14 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered multiple inaccuracies on my Equifax credit report, including incorrect account closures, fraudulent activity, erroneous late payment notations, and unauthorized hard inquiries. Despite previous disputes, Equifax has failed to properly investigate or correct these errors. 
Fraudulent Account Charges : My XXXX 's Department Store account was compromised in XX/XX/year> when my wallet was lost, yet fraudulent charges remain on my report. 
Incorrect Late Payment Reports : My XXXX  and XXXX XXXX accounts incorrectly reflect XXXX late payment each, which never occurred. 
Incorrect Account Closures : Multiple accounts, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, were closed by the XXXX XXXX in error, negatively impacting my credit score. 
Unverified Account : A XXXX XXXX XXXX XXXX account with a balance of {$15000.00} is reported on my credit file without an associated account number, making it unverifiable. 
Unauthorized Hard Inquiries : Companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX made inquiries without my authorization. 
I have provided documentation to support my claims and formally request that Equifax conduct a manual investigation to correct these errors. I also demand the removal of unauthorized inquiries and that my employment information be updated to reflect my current employer, XXXX XXXXXXXX XXXX, XXXX, as of XX/XX/year>. 
I expect a written response confirming corrections within 30 days, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am submitting this complaint to formally report an unauthorized disclosure of my personally identifiable information ( PII ) and records. Pursuant to 34 C.F.R. 99.30, 99.31, 99.32 and 99.33, educational institutions and third parties receiving student records must adhere to strict access and disclosure policies to protect students ' PII. I believe my records were accessed, used, and shared in violation of these provisions. I formally request you mandate the deletion of any improperly disclosed records from any unauthorized repositories, databases, or storage systems that have received or retained my PII as a result of this. 

Records Disclosed : My personally identifiable information ( PII ), including but not limited to my student loan data, financial aid records, and associated education records. 

These records were disclosed to XXXX XXXX and his associates, who have no lawful right to access my education records. Their relationship to the institution is undefined, and their access was not vetted or authorized through any known legal or procedural mechanisms. This disclosure was made without my knowledge, consent, or a valid legal exception under FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Subject : Complaint Regarding Unauthorized Disclosure of Protected Financial Aid Records and Personal Information To Whom It May Concern : I am writing to formally file a complaint regarding a breach of my protected financial aid records and other sensitive personal information. As a student borrower, my rights have been violated due to unauthorized access to my financial aid records, including but not limited to my Social Security number, banking information, and mailing address, without my consent.

This breach has put my personal and financial security at risk. I became aware of this issue on [ date you discovered the breach ], when I was notified that unauthorized individuals had accessed my records, or when I noticed suspicious activity related to my financial aid or personal accounts. 
The specific violations I wish to bring to your attention include : XXXX. Unauthorized disclosure of my protected financial aid records to unauthorized individuals. 
2. Compromise of my Social Security number, banking information, and mailing address without my consent.

3. Failure of the responsible entity to take adequate security measures to protect my sensitive data.

This violation directly contravenes the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which mandates that educational institutions receiving federal funding must protect student records from unauthorized disclosure. The U.S. Department of Educations Office for Civil Rights has consistently upheld that such breaches constitute serious violations, warranting immediate investigation and remedial action. 
Furthermore, I would like to bring to your attention the current members of the Department of Education responsible for overseeing compliance in this domain, including U.S. Secretary of Education XXXX XXXX and key officials within the Office of Postsecondary Education. Their oversight is critical in ensuring adherence to federal regulations protecting student borrowers. Additionally, allowing individuals such as XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXXXXXX and XXXX ), and XXXX XXXX ( XXXX Engineer in the Office of the Secretary, former XXXX intern ) to have access to protected financial aid records violates FERPA. These individuals are not affiliated with the Department of Education or any relevant federal agency and should not have access to sensitive student data.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX my credit score with Experian was XXXX. 
When I checked my credit on XX/XX/year> all my credit cards were gone, none were reflected and my score dropped over XXXX points. 

I called and spoke to XXXX and was advised that a lender tried to pull my credit and the report partially locked. I was told it would be repaired within XXXX days. I was also advised that I will see who attempted to pull it once repaired. 

I also spoke with XXXX after XXXX business days as the report was not fixed. I also have no information on the supposed company that attempted to pull my credit, It is now XX/XX/XXXX and although now all the credit cards are reporting my score is XXXX and never returned to XXXX. 

I am requesting my score be updated 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 2025-03-14 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: EdFinancial Services
State: PA

Complaint narrative:
XXXX XXXX and XXXX has breached the contract by looking at my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 DATA 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 - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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