vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX Contact Information Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Subject : Reporting FCRA Violations Related to Metro 2 Compliance Dear Consumer Financial Protection Bureau, I am writing to formally report potential violations of the Fair Credit Reporting Act ( FCRA ) concerning Metro 2 compliance associated with my credit report. I believe these violations have negatively impacted my creditworthiness and overall financial health.

**Details of Violations : ** 1. **Inaccurate Reporting** : The information reported on my credit file is inaccurate. Specifically, [ describe the inaccuracies, such as incorrect payment status, balance, or account status ]. This violates Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

2. **Duplicate Reporting** : I have identified duplicate accounts associated with the same debt, which is a violation of Metro 2 compliance guidelines. The presence of duplicate accounts can mislead creditors and negatively affect my credit score.

3. **Failure to Update Account Status** : The account status has not been updated to reflect the correct information. For instance, it should indicate [ correct status, e.g., " Paid Charge-Off '' or " Settled '' ]. This failure to update is in violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers to report accurate information.

4. **Lack of Response to Dispute** : I submitted a dispute regarding these inaccuracies on [ date ], but I have not received a response from [ credit reporting agency or creditor ]. This lack of timely response violates my rights under the FCRA.

**Request for Action** : I kindly request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. I also urge you to consider the impact these inaccuracies have had on my credit report and financial well-being.

Enclosed with this letter are copies of my credit report highlighting the disputed information, along with any correspondence I have had regarding my disputes.

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation. 

Sincerely, XXXX XXXX This letter serves as a formal complaint and outlines the FCRA violations clearly, which is essential for the CFPB to take appropriate action.

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 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

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 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX XXXX. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge XXXX XXXX XXXX XXXXXXXX In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all XXXX XXXX from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX XXXX. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge XXXX XXXX XXXX XXXXXXXX In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all XXXX XXXX from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

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 2025-03-23 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: NY

Complaint narrative:
Personal statement : " I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I called MOHELA back in XX/XX/year>2025 to have my loans on forbearance .i was approved for a 3 month forbearance and my starting date for repayments was set up for XX/XX/XXXX 2025.i had to make a payment of {$50.00} that day to set up the repayment plan which I did. They read my terms and conditions and asked me if i agreed to the terms and I answered yes to make it official. I just now saw an email from them stating that my account was negative and past due from XXXX. How is that possible if my stating date to pay was not until XXXX. I tried calling them and its almost impossible to speak to a live agent. MOHELA has broken promissory terms by having my account going negative and stating payments one month early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had this account for XXXX years and paid overcharged interest for many of them. I have called them many times requesting the APR be lowered and denied each time even though I was never late or missed on payments. Approximately, a month ago I again requested same APR interest lowered on my balance. I was told that there was a great number of months on the existing balance that was protected to be at 12.99 % but as you can see it has been 21.49 % XXXX %. Yesterday afternoon, on XX/XX/XXXX I was told that my minimum payment was to be approximately {$50.00}, to be down from the over $ XXXX per month. I called the auto line and was told it is now to be min payment of {$120.00} not approximately {$50.00}.. Please, see attached from XXXX XXXX showing the interest charged. I do not yet have the present statement but XXXX XXXX XXXX card has it currently. I am requesting a full audit on this account and correct adjustments be made in light of the many years of over charged payements I have made. Also, i am requesting this bank send to me, to this temporary mailing address of : XXXX XXXXXXXX XXXX, XXXX XXXX, PA XXXX ( temporary address mail only ) a copy of ALL of the XXXX  years ( XXXX ) of statements and payments I have made, so that I can have an independant forensic CPA look at how much is owed to me. This has been going on tooo long. I have been charged and overpaid thousands. Lastly, I have also requested XXXX statements 3 times!! for XXXX of XXXX and not received them as yet since late XXXX my first request.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, on my equifax report they have a section that shows whats helping and hurting your credit score.On my account its reporting that my oldest credit card account is to recent, my oldest account is four years and two months old so their information is not correct.Also in that same section their reporting that the total of all my account balances are to high that also is incorrect, can you guys contact them and ask them to correct this information, your help will be greatly appreciated.Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX Balance {$860.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$860.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Experian, tranunion, equifax, these are the credit burrows I'm having issues with.ive reached out to tell then all negative marks on my report are fraud even presented screenshots of the negative marks on credit report and there reply was we don't have your information on 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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Someone used my information to get a credit card with American express without my knowledge. I have called XXXX  XXXX XXXX several times to report that i wasn't the owner of the account, that my identity has been stolen and need the account closed. I was advice to file report to FTC and sent send to them. I have also file file a police report and I have also called credit bureau to freeze my credit so nobody can apply some new. 
Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account Info Account Name RESURGENT/LVNV FUNDING Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$890.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$890.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681, Section 602 : Grants me the right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : Prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Given these protections, the reported late payment on my account is inaccurate and must be removed immediately. This erroneous reporting has severely harmed my credit and negatively impacted my ability to purchase a home.

I request immediate correction of this issue. Please provide confirmation that this inaccurate reporting has been removed.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, I noticed a series of unauthorized hard inquiries from multiple auto finance companies, including but not limited to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX via Dealer, and XXXX Credit ( associated with various dealerships ). An additional inquiry by XXXX XXXX occurred on XX/XX/XXXX, and another by XXXX XXXX XX/XX/XXXX. 

I did not apply for credit with any of these companies nor did I authorize them to pull my credit report. These inquiries appeared without my knowledge or consent. I did not sign any documentation or give verbal approval permitting such access. 

Upon noticing these inquiries on my credit report, I filed disputes and requested removal under the Fair Credit Reporting Act, as these inquiries are damaging to my credit and were conducted without permissible purpose. I have contacted the credit bureaus regarding this issue and am seeking immediate investigation and removal of all unauthorized inquiries. 

I am requesting the companies involved to verify their records and provide documentation of any authorization, as required by law. If no authorization exists, these inquiries should be deleted from 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