vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: IL

Complaint narrative:
My accounts were closed on XX/XX/XXXX and I tried to resolved it with the company and we could not resolved the issue so the account remains closed but they retained my funds for both of my saving and checking account. They reiterated their decision to close my acount and to hold my funds for 60 calendar days. the 60 calendar days ended XX/XX/XXXX. It is XX/XX/XXXX. I have sent emails to XXXX  and the Compliance and I have called multiple times and I am either being ignored or not taken serious. 
The last email was sent : Dear Mercury Bank Support Team, I am formally requesting an immediate update regarding the release of my funds following the closure of my account. Per previous communication, my funds were to be held for 60 calendar days from XX/XX/XXXX. That period has now elapsed, and I have yet to receive confirmation regarding the issuance of my check. 

I request an urgent update on the exact release date of my funds and the expected timeline for receipt. If there are any delays or additional actions required on my part, I expect a clear and immediate explanation. Additionally, I ask that this matter be escalated to the appropriate department or supervisor for prompt resolution. 

Please provide a response at your earliest convenience, as this issue requires immediate attention. 

NO ANSWER!!! This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
The correspondence of this letter is due to TransUnion and Equifax failure to adhere to FDCPA regulations and my rights. On XX/XX/year>, I contacted XXXX requesting for debt verification and proof of the debt and all of its information. It was not received, in fact it was deemed to be a duplicate letter and it wasnt. The company ultimately forfeited their obligation to provide me information. On XX/XX/year> I contacted them and the credit bureaus stating that the verification was not provided and that I wanted the debt deleted. TransUnion has failed to conduct a proper investigation TWO TIMES in less than two weeks of me submitting my dispute and providing them details, as well as Equifax. I am so tired of the robotic, bare minimum, surface level the debt has been verified as accurate results. 
This is a violation according to The Fair Debt Collection Practices Act, where debt verification is enforced through 15 U.S. Code 1692g, which REQUIRES debt collectors to obtain and provide verification of the debt or a copy of a judgment if a consumer disputes the debt. I have disputed the debt and requested the verification and no one is being held accountable to their roles of deleting this debt. XXXX had the obligation of : Stopping their collection efforts until the debt was verified. And didnt. Obtaining verification of the debt or a copy of a judgment and sending that verification or judgment to me as the consumer. And didnt. They were supposed to provide the name and address of the original creditor, in addition to all information I requested previously about the amount and age of the debt, the original loan agreement, proof of assignment, and all fees incurred and itemization of the debt. NOTHING was provided to me, not one of those things. Instead XXXX responded with no response by dismissing my request as a duplicate, when a comprehensive reading eyes could see that it wasnt. I will not continue to be nice about this situation when I am clearly being overlooked. I want this account to cease reporting and I want it deleted from my credit profile 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 
As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 
I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explore legal remedies.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Email : XXXX Cell : XXXX Company Complained About : XXXX XXXX XXXXXXXX XXXX XXXX Complaint Details : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). 

On my credit report, XXXX XXXX is reporting the following : Current Balance : {$56000.00} ( Incorrect ) Original Loan Amount : {$92000.00} Last Reported : 43 Days Ago Issue Summary : I have disputed this incorrect balance with XXXX XXXX and the credit bureaus ( TransUnion, XXXX, and XXXX ), but no proper correction has been made. Under FCRA 1681i, I have the right to a fair and accurate credit report, and they are legally required to conduct an accurate reinvestigation within 30 days. 

XXXX XXXX has failed to verify or correct the inaccurate balance, which has negatively impacted my credit score and financial standing. This constitutes a violation of FCRA 611, which mandates that any inaccurate, incomplete, or unverifiable information be corrected or removed. 

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take action against XXXX XXXX XXXX XXXX XXXX to ensure that : The incorrect balance is corrected or deleted from my credit report immediately. 
A full reinvestigation is conducted to verify the accuracy of the reported information. 
XXXX XXXX complies with all applicable FCRA regulations regarding fair and accurate reporting. 
If XXXX XXXX fails to comply, I intend to pursue a formal lawsuit for willful noncompliance and seek damages under FCRA 1681n and 1681o. 

Supporting Documents : A copy of my credit report showing the incorrect balance. 
A copy of my previous dispute letters to XXXX XXXX and the credit bureaus. 
Any responses ( or lack thereof ) from XXXX XXXX regarding my dispute. 
I appreciate the CFPBs assistance in resolving this matter promptly and ensuring compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN Email : XXXX Cell : 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 2025-03-14 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: FL

Complaint narrative:
Subject : Unauthorized Access to My Student Loan Data & Request for Loan Discharge To Whom It May Concern, I am filing a formal complaint regarding the unauthorized access and potential misuse of my student loan data, which I believe renders my loans invalid. Specifically, I have reason to believe that my personal financial information was improperly accessed through the Department of Education, in violation of the Privacy Act of 1974 and the Gramm-Leach-Bliley Act by the Department of Government Efficiency ( DOGE ) and its staff. Due to this breach, I request that my student loans be discharged and removed from my credit report. 

The unauthorized access of my data has compromised my financial security and exposed my personal information to misuse. Under federal law, unauthorized third-party access to personal loan data constitutes a violation of my rights and raises concerns about the integrity of my loan records. Given this breach, I request an immediate review of my case, loan discharge under applicable federal protections, and removal of the affected loans from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Unauthorized Access to My Student Loan Data & Request for Loan Discharge To Whom It May Concern, I am filing a formal complaint regarding the unauthorized access and potential misuse of my student loan data, which I believe renders my loans invalid. Specifically, I have reason to believe that my personal financial information was improperly accessed through the Department of Education, in violation of the Privacy Act of 1974 and the Gramm-Leach-Bliley Act by the Department of Government Efficiency ( DOGE ) and its staff. Due to this breach, I request that my student loans be discharged and removed from my credit report. 

The unauthorized access of my data has compromised my financial security and exposed my personal information to misuse. Under federal law, unauthorized third-party access to personal loan data constitutes a violation of my rights and raises concerns about the integrity of my loan records. Given this breach, I request an immediate review of my case, loan discharge under applicable federal protections, and removal of the affected loans from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Access to My Student Loan Data & Request for Loan Discharge To Whom It May Concern, I am filing a formal complaint regarding the unauthorized access and potential misuse of my student loan data, which I believe renders my loans invalid. Specifically, I have reason to believe that my personal financial information was improperly accessed through the Department of Education, in violation of the Privacy Act of 1974 and the Gramm-Leach-Bliley Act by the Department of Government Efficiency ( DOGE ) and its staff. Due to this breach, I request that my student loans be discharged and removed from my credit report.

The unauthorized access of my data has compromised my financial security and exposed my personal information to misuse. Under federal law, unauthorized third-party access to personal loan data constitutes a violation of my rights and raises concerns about the integrity of my loan records. Given this breach, I request an immediate review of my case, loan discharge under applicable federal protections, and removal of the affected loans from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I conducted a review of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items. These findings indicate that your agency did not ensure the information was reported with 100 % accuracy. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S. Code 1681i ( 5 ), the law mandates that : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the investigation results. 
( ii ) Notify the furnisher of the information that the item has been deleted or modified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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