vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Equifax, I recently disputed certain items on my credit report, and I have since received a response stating that the accounts in question were " verified. '' Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am formally requesting that you provide the method of verification used to confirm the accuracy of these accounts.

Please provide the following information within the legally required timeframe : 1. The name, address, and contact information of the entity that verified the disputed accounts.

2. A detailed explanation of how the verification process was conducted.

3. A copy of any documentation used in the verification process.

If you are unable to provide this information, you are required to delete the contested accounts from my credit file as per FCRA compliance. Failure to do so may constitute willful noncompliance and could result in legal action. 
Please respond within the timeframe mandated by the FCRA. I expect a reply no later than 30 days.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This credit card merchant has reported me late XXXX  times which is not true! Ive never been late XXXX days with this card. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2025-03-17 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: MA

Complaint narrative:
My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by XXXX XXXX XXXX serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). 
This breach allowed my personal and financial information to be compromised by The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. 
Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. 
Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.

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 2025-03-17 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:
My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by XXXX XXXX XXXX  serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). 
This breach allowed my personal and financial information to be compromised by The XXXX XXXX XXXX XXXXXXXX and XXXX XXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. 
Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. 
Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.

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 2025-03-17 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:
My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by Department of Education serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). 
This breach allowed my personal and financial information to be compromised by The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. 
Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. 
Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.

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 2025-03-17 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: OH

Complaint narrative:
XXXX XXXX issued me a 1099c back in 2022, and they are still reporting that I owe the full balance on the account. The account should show a XXXX XXXX XXXX balance. I want them to either remove this or show a XXXX XXXX XXXX balance. Thank you

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
XXXX XXXX, a private individual without electoral mandate, recently gained access to the Department of Education through DOGE, resulting in the exposure of my personal information to both DOGE and Musk. I did not provide consent for this access and strongly oppose the unauthorized handling of my data by a non-elected figure. There is a possibility that my loans have been compromised, and my personal information may have been unlawfully obtained through DOGE. Therefore, I request complete forgiveness of my federal loans, which may have been accessed or modified by an untrustworthy entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
Since Friday, XXXX I have tried to use the PSLF Help Tool on studentaid.gov. This tool is used to track qualifying payments towards loan forgiveness. I have reached my 120th out of 120 payments. The Help Tool will not load in order for me to submit my documentation to have my loans forgiven. I am being withheld from applying for forgiveness that I am eligible for because the website refuses to allow me to access the Help Tool.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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 XXXX XXXX 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent.

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 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint Mortgage Servicing withdrew two mortgage payments from my bank account on XX/XX/scrub>XXXX  I contacted them immediately, and they confirmed that the duplicate payment was an error caused by a system issue affecting many homeowners. They assured me the extra charge would be canceled. However, despite their acknowledgment, the duplicate payment is still pending withdrawal from my bank account. Instead of stopping the extra payment before it processes, Shellpoint has stated that I must wait for the full withdrawal before they issue a refund. This means they are withdrawing {$4100.00} instead of the correct amount of {$2000.00}. 

Adding to the frustration, Shellpoint sent an email at XXXXXXXX XXXX XXXX on Saturday, XXXX, acknowledging the issuejust one minute after their customer service closed at XXXXXXXX XXXX Since they have no customer service available on Sundays, I had no way to escalate the issue until Monday morning. This has caused unnecessary financial strain. Despite multiple attempts to resolve the issue, Shellpoint has not taken corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I filed a dispute on Credence Resource Management due to Fraudulent activity. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car.XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: KS

Complaint narrative:
Unsatisfactory explanation for declining credit line increase. Letter for decline dated XX/XX/year>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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. The items listed below do not belong to me and are a result of unauthorized fraud : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXXXXXX XXXX View details Remaining Balance {$6500.00} XXXX XXXX XXXX XXXX XXXX View details Remaining Balance {$3500.00} XXXX XXXX  XXXX XXXX XXXX View details Remaining Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX View details Remaining Balance {$3100.00} XXXX XXXX XXXXXXXX XXXX XXXX View details Remaining Balance {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX View details Remaining Balance {$6400.00} In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I request that you block and remove all information associated with Identity Theft.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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