vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : It is with disappointment that I dispute the missed and late payments on this account. The situation has become a frustrating reality. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand and address the issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, highlighting the inaccuracies and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : It is with disappointment that I dispute the missed and late payments on this account. The situation has become a frustrating reality. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand and address the issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, highlighting the inaccuracies and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MT

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to co duct 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PR

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

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

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

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

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

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

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

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Referenced by XXXX ID XXXX. 
On XX/XX/scrub> 2025 around XXXX XX/XX/XXXX, I made a cash payment in the amount of {$380.00} at one of your ATMs. Unfortunately, during the transaction, the ATM displayed an error on the screen and failed to provide me with a receipt confirming the payment. Moreover, the payment was not posted to my account. 
Below are the details to assist with your investigation : Date of Payment : XX/XX/year>2025 Payment Amount : {$380.00} ATM Location : XXXX XXXX XXXX, XXXX, FL XXXX Since the payment was made in cash, I understand there may be additional steps required to reconcile the transaction therefore I took these actions to address the matter directly with Citi Bank : Visited the Bank Branch : Spoke to the branch manager about the ATM malfunction and missing {$380.00} deposit. 
Contacted the Citibank Executive Response Unit ( ERU ) : Communicated with the ERU multiple times to escalate the matter.

Provided Detailed Information : Shared the date, time, location, and specifics of the ATM transaction to aid in the investigation.

Followed Up Repeatedly : Made approximately seven calls to Citibank to seek updates and ensure the matter was being addressed. 
Engaged in the Investigation Process : Cooperated fully with Citibank during their investigation, despite their inability to find records or access ATM surveillance footage. 

Received and Reviewed the Bank 's Final Response : Acknowledged their official response, which stated that they could not locate the transaction or provide further 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XX/XX/XXXX Account Date : XX/XX/XXXX Account Name : XX/XX/XXXX Account Date : XX/XX/XXXX Account Name :XX/XX/XXXX XX/XX/XXXX Account Date : XX/XX/XXXX Account Name :XX/XX/XXXXXXXX Bankruptcy XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name XX/XX/XXXXAccount XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Additionally, I request the removal of all unauthorized inquires related to this identify theft : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and noticed some information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Never made any agreement with Bull City. Was never sent a tax form for the written off debt. I contacted bull city XX/XX/XXXX  and received a " variation '' XX/XX/2023. 

Validation has no address. It also has no birthday or social security number associated with the account. Therefore that dissatisfied your validation. 


On XX/XX/2023 I asked for a debt this validation as previously stated didnt not have an address, birthdate, social security number, no form of signature, nor any type of third party release of information to Bull City Financial Solutions , INC . 
Bull City failed to provide proof of purchase from the original creditor. I need a copy of proof of purchase as well. Also in your previous letter there was minimal proof of account identification. 
I requested : Creditor 's Name and Full Address, Name of Debtor of Record, Full Account Number, Amount of Debt, Due Date of Debt, Original Charge Off or Delinquency Date, Explanation of how the Debt was calculated, Evidence that the Debt is within State 's applicable Statute of Limitation, Name of Collection Agency or Owner of Debt, if applicable, Amount Paid if Debt was Purchased, Completed and Executed Agreement, including Signature Pages, for the Debt. 

The validation also includes a description number and description of the appointment or services render. 
It also has the doctors name, doctor type, and doctor location. This violates 45 CFR 164.02 ( b ), 164.541 ( d ). This violates the minimum necessary of the HIPPA Laws. There is no reason why the description code or description of the appointment should be included on this validation letter. This is personal health information and serves no purpose in assisting the debt collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
This account was also removed from XXXX on XX/XX/scrub>/2025 and XXXX on XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year>2025 po box XXXX XXXX, Tx, XXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear Experian, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX XXXX The account was removed from my credit report as of XX/XX/year>2025 & XX/XX/year>2025, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including photos of credit reports from Experian, XXXX, and XXXX showing the removal. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request.

Please confirm in writing once this account has been removed from my credit report.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Traffic Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My husband and I both were depositors with Capital One for years and never knew they had a higher paying account. Due to this I removed our savings from them last year and transferred to where we would receive some interest. It was only after that I saw information that they had higher interest 360 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the 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. The 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. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions 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