vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
Complaint Against XXXX XXXX XXXX Improper Credit Reporting After Divorce I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX XXXX  ) due to their continued misreporting of an auto loan on my credit file, which is no longer my financial obligation under a legally binding divorce decree. 
The auto loan in question, account number # XXXX. However, following my divorce in XX/XX/year>, the vehicle and its associated loan were legally awarded to my ex-husband as part of the court 's ruling. From that point forward, he has been the sole party responsible for this debtNOT me. 
Despite this, XXXX continues to report this account under my name, causing severe financial harm. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must accurately report account responsibility. 
Harm Caused by This Violation : My credit score has dropped between XXXX and XXXX points due to this error. 
I have been denied financing for my own vehicle because of this wrongful reporting. 
This has caused me substantial financial hardship and distress, all due to XXXX negligence. 
To make matters worse, my ex-husband recently totaled the vehicle, and while his insurance covered the loss, there was a waiting period before his gap insurance kicked in. During this time, no payments were made, resulting in further late payments being reported on my credit file. However, his failure to make payments is not my legal responsibility under the divorce decree, and XXXX has no right to continue holding me accountable for a loan that is not mine. 
Immediate Demand for Resolution : Remove this auto loan account from my credit report immediately. 
Cease all inaccurate reporting to the credit bureaus regarding my responsibility for this loan. 
Provide written confirmation that my name has been fully released from this financial obligation. 
Final Warning : If XXXX does not correct this issue immediately, I will escalate this matter to the Office of the Comptroller of the Currency ( OCC ) or the Federal Deposit Insurance Corporation ( FDIC ), one of which is your financial regulator. These agencies do not take violations lightly and impose heavy fines on lenders who fail to comply with legal obligations. 
You can either resolve this now, or you can explain it to federal regulators. The choice is yours

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint XXXX Cash App XXXX XXXX XXXX XXXX ) Due to XXXX Customer Service XXXX XXXX XXXX, 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 account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric FundTransfer Act ( EFTA ) and XXXX XXXX These actions has cause significant inconvenience and financial loss, and I seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against BSI, the mortgage servicer for my property at XXXX, TX. 

I am currently serving in the United States XXXX in South Carolina, and due to the constraints of my military service, my income is insufficient to cover my monthly mortgage payments. Consequently, I have been compelled to sell my home. The property is now in the option period, with an expected closing by the end of XXXX. However, until the sale is finalized, I do not have the financial means to continue making the required mortgage payments. 

Since XXXX, I have made countless telephone calls and sent numerous emails to BSI, desperately seeking assistance and a feasible solution for my situation. Despite my persistent efforts, I have not received any response. This unresponsiveness is not only deeply troubling but also raises serious concerns about BSIs willingness to comply with legal requirements, especially when dealing with active-duty military personnel facing financial hardship. 

I respectfully request that the CFPB intervene in this matter to ensure that BSI adheres to the laws and regulations governing mortgage servicing. I urge your office to facilitate a dialogue between BSI and me, so that we can reach a fair and timely resolution. It is imperative that BSI recognizes their legal obligations and responds promptly to my communications.

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to ensure that BSI engages with me in a manner consistent with the law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX 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 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 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 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 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 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
Consumer complaint received 2025-03-13 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my 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.

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 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, *XXXX XXXX XXXX XXXX XXXX XXXX  *, I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.

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 2025-03-13 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: CA

Complaint narrative:
I am submitting and FTC report to Equifax and transunion via CFPB regarding an ongoing is with these 5 fraudulent accounts reflecting on my credit report in which they were never given the 4 day block to be removed pending investigation which has forced me to take further action to create a record of this issue! I believe that reinserting these items without officially notifying me by mail is a violation of FCRA 611 ( A ) ( 5 ) ( B ) Im trying to figure out did a old girlfriend use my credit is why I am asking for full docs on how these accounts were created being Im doing my own investigation but Im simply getting codes not signatures or accounts which were used to make payments on these fraudulent accounts Maybe a old girlfriend made these accounts used them paid them then when the relationship was over they went into default Just trying to move forward with more info and deletions. Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
I, XXXX XXXX, recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. My personal information was stolen and compromised. 
This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed 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 2025-03-13 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: PA

Complaint narrative:
I, XXXX XXXX, recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. My personal information was stolen and compromised. 
This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MT

Complaint narrative:
Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Account has paid/off and or closed and still reporting 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 2025-03-13 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: IN

Complaint narrative:
XXXX XXXX accessed my student records without my consent. He has violated my privacy by accessing my private data through the Department of Education. I am requesting my records be protected and all parties involved be accountable for their actions. 

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of student records by requiring prior written consent before disclosing personally identifiable information to a third party. It applies to colleges and universities that receive funding from the federal government.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX accessed my student records without my consent. He has violated my privacy by accessing my private data through the Department of Education. I am requesting my records be protected and all parties involved be accountable for their actions. 

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of student records by requiring prior written consent before disclosing personally identifiable information to a third party. It applies to colleges and universities that receive funding from the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IN

Complaint narrative:
XXXX XXXX accessed my student records without my consent. He has violated my privacy by accessing my private data through the Department of Education. I am requesting my records be protected and all parties involved be accountable for their actions. 

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of student records by requiring prior written consent before disclosing personally identifiable information to a third party. It applies to colleges and universities that receive funding from the federal government.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report a violation of my data privacy. I have reason to believe that XXXX XXXX, or an entity under his control, has gained access to my personal data without my consent. This unauthorized access raises serious concerns about data security and potential misuse of my financial information. 

As a result of this breach, I believe my financial security has been compromised. Given the circumstances, I am requesting that all outstanding loans in my name be forgiven, as I can no longer trust that my financial data has been handled appropriately. Unauthorized access to my information may have impacted my credit, loan agreements, or financial standing in ways beyond my control. 

I urge the CFPB to investigate this matter thoroughly and provide guidance on how I can protect myself from further harm. Additionally, I request immediate relief in the form of loan forgiveness due to this violation of my privacy and financial rights. 

Please inform me of any necessary steps I should take, and let me know if additional documentation is required. I appreciate your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I am writing to formally dispute an account listed on my credit report due to identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report for your reference. 

The account in question is as follows : - **Account Number : ** XXXXXXXX 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 XXXXXXXX I believe this account does not belong to me, as I am a victim of identity theft. I did not authorize any transactions or open any accounts with this creditor. 

According to the FTC Identity Theft Report, I request that you investigate this matter and remove this fraudulent account from my credit report. Under the Fair Credit Reporting Act, I am entitled to free disclosure of my credit report and error correction for fraudulent information. 

Please let me know if you require any further information or documentation to resolve this dispute. I would appreciate your prompt attention to this matter and confirmation of the actions taken in response to this letter. 

Thank you for your assistance.

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