vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the handling of my student loan information due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. I recently became aware that my educational records were disclosed without my consent, which I believe violates my rights under both FERPA and the Privacy Act. 

According to FERPA regulations, educational institutions and associated parties are required to obtain written consent from the student before disclosing personally identifiable information from education records, except under certain legally defined circumstances. Similarly, the Privacy Act of 1974 mandates that federal agencies protect individuals ' records and not disclose information without consent unless under specific exceptions. 

I kindly request the following actions be taken immediately : A thorough investigation into the unauthorized disclosure of my educational records and personal information. 

A detailed written explanation of how my information was shared, including the parties involved and the justification for the disclosure. 

Immediate corrective actions to prevent further unauthorized access to my records.

Documentation confirming the rectification of this violation and assurances of compliance with FERPA and the Privacy Act of 1974 regulations moving forward. 

A formal demand for the deletion of any improperly disclosed information from all relevant records and systems, as my rights under FERPA and the Privacy Act of 1974 have been violated. 

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well, if applicable, given that the unauthorized disclosure may have affected my credit or loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX D.C. XXXX Subject : Complaint Regarding Inaccurate Collection Account Reporting National Credit Adjustors Dear CFPB Representative, I am writing to formally request your assistance in resolving an issue with National Credit Adjustors account number XXXX regarding an inaccurately reported collections account on my credit report. I have attempted to resolve this matter through the credit bureaus, but the inaccuracies persist, severely impacting my financial situation. 

The account in question contains multiple errors, including but not limited to : - Incorrect balance - Inaccurate payment history - Wrong account status - Misleading or unverifiable information This is the only collection account on my credit report, and it is significantly harming my credit score. As a result, I am facing difficulties obtaining housing for my elderly, widowed mother, who is a retired nurse. Her current home is in a state of disrepair, and I urgently need stable housing to support her well-being. Additionally, I am XXXX and unable to work, making it even more critical that my credit report accurately reflects my financial standing. 

I respectfully request that your office investigate this matter and ensure that National Credit Adjustors corrects or removes any erroneous information. Please advise me on the next steps I should take and any additional documentation required to support my dispute. 

Thank you for your time and assistance. I appreciate your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied to Capital One Savors for excellent credit with the signup bonus and 0 % intro APR. However, it somehow gave me the standard without clearly saying I was not picked for the bonuses. I called Capital One support and they confirmed there is nothing of such linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Ive had multiple checking accounts with navy federal credit union. They have charged me extensive overdraft fees on on multiple accounts knowing letting transactions go through without funds being in my account then charging me fees. These fee have caused these accounts to close and it now effects my daily life. Ive tried to get these fee reversed but they will not do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have not entered into any contract with Midland Funding LLC. I DO NOT OWE THIS ALLEDGE DEBT!!!!!! An unlawful judgment was entered against me in XXXXXXXX XXXX XXXX I filed a XXXX  with a motion to dismiss that the Judge presiding over my case completely ignored and the XXXX XXXX took XXXX extra weeks to enforce a signed order to stay. A XXXXXXXX XXXX XXXX judge forced me into a stipulation with the plaintiff Midland Funding LLC. Midland Funding LLC has been unjustly enriched. Midland Funding LLC has been sued by XXXX ATTORNEY GENERALS OFFICES for this very practice. In addition XXXX XXXX XXXX XXXX XXXX MIDLAND FUNIDING LLC AKA MIDLAND CREDIT MANAGEMENT INC. The XXXX case further proves midland funding llc despicable unfair and unjust business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX.Confirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-10 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: NV

Complaint narrative:
So Ive had a Cash App account for about 10+ years I originally I stayed in my hometown, which is for after a while I fell on hard times, but I decided to travel and do landline. I did not have an actual address to transfer my account too so as I did for a year, Ill never want to use my account without you know using proper way. I only used it to transfer money then they locked my account which was about two or three years ago and since Ive been in my new place, which is Nevada, they still refuse to unlock my account stating that it was some sort of fraudulent activity. When in fact, I told them this is becauseI in fact this homeless did not have an address ive always provided them with accurate information and when I was able to remember or recall that I needed some sort of answer instead of just accepting I would reach out to them and there has been an ongoing case open for about three years sometimes he would take him eight months to reply back to something I stated a year ago or something of that nature, and when I do provide them with the accurate information as of now I am a little bit more stable. They still deny my claim and will not give me accurate information on what exact protocols am I not fighting by my Cash app has been locked for about 3 to 4 years possibly longer and Im not understanding why as Ive always been using my cash app and putting money in it, take money out and using it in the correct mail. I did provide them with bank statements recently within the last couple of months, and they still denied my claim stating that I was not the address was not accurate even though in clear photos, you can tell that the address is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Request to Remove Bankruptcy Entry from Credit Report : I recently reviewed my credit report and noticed a bankruptcy entry that appears to have been reported in error. I have never filed for bankruptcy, and no court has reported such information on my credit file. 

I formally request an immediate investigation and removal of this incorrect entry to ensure my credit report accurately reflects my financial history. Please find attached a copy of my identification for verification purposes, along with a letter from the courthouse confirming that no such bankruptcy filing exists. 

Under the Fair Credit Reporting Act ( FCRA ), I expect prompt action to correct this error, as it has negatively impacted my ability to secure credit. Please provide written confirmation of the deletion of this erroneous entry as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am writing to formally request the removal of incorrect addresses from my Experian credit report. I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report as supporting documentation for this request. The addresses that need to be removed from my credit file are as follows : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX addresses are incorrect and should not be associated with my credit profile. I kindly request that you investigate and instruct Experian to remove these addresses immediately. 
Please provide written confirmation once the removal has been completed. If you require any additional information, feel free to contact me at your earliest convenience. 
Thank you for your time and assistance in this matter.

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 2025-02-10 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: CO

Complaint narrative:
I am contacting the CFPB regarding my XXXX XXXX XXXX account , which was included in my bankruptcy filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. As this debt was legally discharged, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with Equifax regarding the inaccurate reporting of this account. Equifax responded with the following statement : * '' We have researched the credit account... The results are : The following fields have been modified : * - *Additional Information* - *Date of Major Delinquency First Reported* - *Historical Account Information* '' The **balance amount** and **amount past due** are still incorrectly listed. Additionally, the **date of first delinquency** was changed to XXXX XXXX, XXXX, which is XXXX  days before I filed for bankruptcyan inaccurate and false entry. The account status also remains ** '' charge-off, '' ** which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that this account be updated to accurately reflect its discharged status, with a {$0.00} balance and no past-due amount. Please correct this error promptly and provide written confirmation once the changes have been made. 

If this issue is not resolved, I may need to escalate the matter further. Please let me know if additional information is required to facilitate this correction. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am a victim of human trafficking and debt bondage and am exercising my rights under Sections XXXX and XXXX of the Fair Credit Reporting Act ( FCRA ) to request that all listed accounts be blocked and permanently removed from my consumer credit reports across all three major credit reporting agencies : TransUnion LLC, XXXX, and XXXX. 

Under Section XXXX ( XXXX XXXX. XXXX ), consumer reporting agencies must block information resulting from identity theft within XXXX ( XXXX ) business days of receiving a request with supporting documentation. Additionally, under XXXX XXXX of the FCRA, consumer reporting agencies are prohibited from including adverse information in consumer reports if it resulted from a persons status as a victim of human trafficking. 
Fraudulent Accounts to Be Blocked and Deleted : The following accounts were fraudulently opened, reported, or negatively affected due to identity theft, data breached and my status as a trafficking victim and must be removed immediately from my credit reports : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Unrecognized Account ) XXXX. Department of Education XXXX XXXX XXXX. XXXX  XXXX Servicing In addition, I demand the removal of any hard inquiries, collections, and associated derogatory reporting related to these fraudulent accounts. 

Pattern of Exploitation & Consumer Credit Harm : Since XXXX  XXXX XXXX posed as an authorized representative over my accounts and was listed on my credit reports as such, they have since been investigated by the FBI ; their actions have created a snowball effect of financial hardship. This has led to : Unauthorized third-party debt collectors accessing my credit profile. 
Hard inquiries without my consent. 
Collections accounts for debts I do not owe. 
Frivolous lawsuits related to fraudulent accounts and debts. 

Moreover, XXXX XXXX XXXX now XXXX XXXX XXXX XXXX has claimed to have spoken with XXXX XXXX in reference to an account they purchased. This fraudulent claim has led to them collecting on an account they were never authorized or granted access to. 

These violations constitute a direct infringement of my rights under FCRA XXXX & XXXX and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-10 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: Informative Research
State: GA

Complaint narrative:
I'm responding due to a Fraud case on my credit report. I've enclosed a letter from the FEDERAL GOVERNMENT stating I'm a fraud victim. I never requested information from XXXXXXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX and Informative Research XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 2025-02-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/year> -- {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inforn 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 Experian 's inaction violates federal law and my rights as a consumer. 
Dispute XXXX  and XXXX  no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inforn 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 Experian 's inaction violates federal law and my rights as a consumer. 
Dispute XXXX  and XXXX  no resolve.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit report and noticed a charge - off from Heights Finance account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX [ b ] - Maximum Possible Accuracy, and XXXX XXXX XXXX - XXXX g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on 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 2025-02-10 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief