vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: TN

Complaint narrative:
Information was involved in a data breach, along with the other 3,000,000 million people. My information was exposed in a data breach and I would like this issue resolved immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
I applied for a loan modification with XXXX XXXX in XX/XX/2023 after being XX/XX/2023 Throughout this process, I was repeatedly assured that I did not need to make my monthly loan payments, as the modification approval would bring my account current with no late fees or penalties. 

However, the process was significantly delayed, and communication was minimal. Despite my repeated emails requesting updates, I was passed from representative to representative, receiving little to no support. Each time, I expressed my concerns about potential credit damage due to the missed paymentspayments I was explicitly told not to make. I was repeatedly reassured that these would not be reported to collections. 

Despite these assurances, my loan was reported to collections, resulting in a severe negative impact on my credit score, which dropped nearly XXXX points. As soon as I became aware of this, I took immediate action and paid nearly {$3000.00} to bring my account current. Since then, I have made every payment on time, yet my credit report has not recovered. 

I am requesting immediate assistance in resolving this matter. Given that I followed the instructions provided by XXXX XXXX in good faith, I ask that you work to remove this negative mark from my credit report. Please let me know what steps can be taken to correct this situation as soon as possible. 

I appreciate your prompt attention and look forward to your response.

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 2025-02-11 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-02-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXXB, XXXX ( f ) and XXXX ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Nelnet, my federal student loan servicer, due to a breach of my personal and financial information without my authorization. This violation contradicts FERPA, the Privacy Act of 1974, and other federal regulations that protect student loan borrowers ' confidential information.

When I raised this issue with Nelnet, they deflected responsibility and claimed that the Department of Education owns all loan records, refusing to take corrective action or provide any security assurances regarding my compromised data. Their response was insufficient and dismissive, failing to address the severity of this breach and the risk posed to my financial security. 

I am requesting the CFPB to investigate the following : How my personal and financial data was compromised and whether Nelnet failed to adhere to federal data protection requirements. 
Why Nelnet has refused to provide a resolution or take accountability for the mishandling of my personal information. 
Whether I qualify for a full loan discharge due to this violation. 
Additionally, I am requesting clear next steps for escalating this matter within the Department of Education if Nelnet continues to deflect responsibility. 

This is a serious violation of borrower rights, and I expect a formal response and resolution within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-11 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: PA

Complaint narrative:
Transition has yet to remove all addresses, phone numbers, in addition they have my score reporting differently everywhere. 

Most credit sites say my score is XXXX transition. XXXX says my transunion score is XXXX. Thats a huge difference In addition transunion has decided to keep accounts Ive repeatedly disputed because of identity fraud. Saying the account is remaining yet showing NOTHING verifying the debt!! 

I am getting frustrated! 

Transunion is violation the FCRA 15 USC 1681e ( b ) & 1681s-2! Accuracy of reporting! 

Transunion also is reporting derogatory accounts without my permission AND due to my disputes, NOTHING I DISPUTED SHOULD BE REPORTING UNTIL ITS VERIFIED yet everything unverified is reporting! Stop this immediately! 

I demand {$2000.00} for these repeated violations or I will sue for several FCRA violations made by Transunion

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I've made many previous attempts to fix these issues directly with them. They are violating my rights. I'm entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
Subject : Complaint Against National Credit Systems FCRA Violations and Unauthorized Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against National Credit Systems acct # XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). They have reported an alleged debt to all three major credit bureaus without my knowledge or consent. I do not recognize this account and have never had any dealings with National Credit Systems. Furthermore, National Credit Systems is reporting different information to each of the three credit bureaus, which raises concerns about the accuracy and legitimacy of their reporting. Their actions have caused harm to my credit profile, and their failure to notify me before reporting this alleged debt is a direct violation of my consumer rights. I am formally requesting the immediate deletion of this account from all credit bureaus and an investigation into National Credit Systems ' reporting practices. Their failure to comply with FCRA regulations is unacceptable, and I seek the CFPBs intervention to ensure they adhere to federal law. I have attached copies of my credit reports showing the discrepancies and unauthorized reporting. Please confirm receipt of this complaint and advise on the next steps. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I deposited a Bank Check at Citizens Bank for something someone purchased, from me, at XXXX. 
The buyer made a mistake, and the check was for more money than the item cost. I was to send the difference to the buyer. 
This seemed very odd because it was a large amount. 
I did a mobile deposit and the check cleared the following day. 
Before I used XXXX to send the money, I called the bank and told them I thought I was being scammed, and I wanted to check and make sure the money was actually in my account, before I sent it. 
I was told by one of their representatives that the check cleared and the money was there in my account. 
I used the XXXX and sent the difference. {$1500.00} dollars. 
Two days later, my account was negative for the exact amount I sent. 

I later found out that the check was fake and the money was never even in my account. 
They sent the money from my account which did not have enough money to cover it. I had about {$20.00} bucks in there before this. 
It put my account into {$1500.00} negative balance. 
How is it possible to send money that doesnt exist? 
How does it allow the account to draw negative balance? 
I had a block on my account that did not allow it to overdraw, so it should have never happened. 
You can not XXXX someone money that doesnt exist. 
Their representative gave me completely false information. 
The bank drew money from an account that did not have money in it and a block on negative balance withdrawals. 

I have the representatives name. 
I told the bank about this more times than I can count and they finally opened up a claim, just to find in the scammers favor. It took me about 30-40 calls to reach someone. 
This whole thing took months and months and I received ZERO compensation. 
This was Citizens bank. Two years ago. Right before XXXX. 
I can give exact dates. 
I have since closed the account and I do not do business with that bank anymore. For security purposes. 

Someone just told me about you. The CFPB. So I figured Id try and see if you may be able to help me get that money back. Times are tough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today for these accounts listed below XXXX retail ( reporting paid as agreed % 100 on time payments beds to be uodate 2.Childrens place : This account doesnt belongs to me and need to be removed immediately Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation