vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
Experian has failed to fulfill Its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a U.S. federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXXXXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type DIRECT School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type XXXX  School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CT

Complaint narrative:
I recieved an alert from my credit reporting agency thst several student loans have been marked late. I contacted the servicer ED Financial and I was told that the company sent bills to my email and contacted me by phone. I did not receive any emails from this company nor did I receive any calls. I never recieved a bill or any correspondence from the company. I asked the representative who refused to escalate my concerns and demanded that this was my resolution whether I liked the resolution or not. The employee offered a administrative forbearance and a verbal forbearance which will not repair the damage this company has caused to my perfect credit report. I was under the assumption that my account was still in forbearance since I didn't recieve any correspondence in the mail from this company. I was told that i would recieve a notice when it was time to resime payments.The company had an incorrect phone number and email that they were using. I never set a preference to recieve mail through email and I never recieved anything from the company through the unitrd states postal system which the employee admitted that there was no mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a request for removal of adverse information from my report, resulting from trafficking, under the The Debt Bondage Repair Act ( DBRA ) to Transunion and received a confirmation email that the request was received and under review. 

It has now been 11 days and no information requested has been removed, nor have I received any communication requesting supporting documentation or communication that more investigation is needed. Today I again emailed requesting an update. It has been past the 4 day rule as required by law for Transunion to block all information outlined in my trafficking victim letter, which was accompanied by proof of identity ( driver 's license ), a self attestation signed by an XXXX official, as well a letter from an XXXX victim 's advocacy organization as outlined in the DBRA.

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 2025-03-17 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence.

The following accounts require immediate review and correction : XXXX XXXX XXXX XXXX - XX/XX/2024 Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
CashApp, without evidence or reasoning, closed my account. In my account I have BTC. CashApp 's terms of service clearly state that I, and not CashApp, own my virtual currency.

If I own my own virtual currency, it is unethical for me to be forced to sell my currency. That is holding my assets hostage. The entire point of BTC is to hold it for future growth ; selling it now is antithetical to the entire purpose of purchasing BTC to begin with. Beyond that, if I truly own it, then selling it can not be the only way for me to access my own legally owned assets.

CashApp gladly profited off of the fees of my BTC purchases, and now is looking to profit one last time by forcing me to sell my rightfully owned assets and getting a significant service fee from the transaction.

I attached my attempts to use the support chat. In it, you will see gaslighting, insincere lipservice describing feigned resolution attempts, stonewalling, and redirection.

Also in the chat you will notice how ( perhaps purposefully ) there is a disjointed nature in which CashApp attempts to perform a perfunctory attempt at a resolution. This is best highlighted by th
e multiple support agents and AI bots I was forced to talk to, even within the same hour. There are multiple reference numbers used that ( perhaps purposefully ) make it impossible for any party to have a coherent narrative on what I am asking for. By changing agents, making it impossible to match which reference/complaint number corresponds to which conversation, it ensures noone will be able to properly resolve the issue.

The only acceptable resolution that is acceptable is to be able to withdraw/transfer my BTC to an external wallet of my choosing. I do not wish to have my CashApp account for any other/future CashApp services beyond this complete and unabridged retrieval of my BTC assets . I just want access to my property. I will not accept any proposal that involves me being coerced into liquidating an appreciating asset. This is my retirement fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX SUBJECT : Request for removal of unauthorized credit inquiries Dear XXXX representative, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed inquiries that I did not authorize, and request their immediate removal. 
The following inquiries appear on my credit report without consent. 
- XXXX XXXX XXXX XXXX - XX/XX/XXXX actions taken on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX action taken on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX action taken on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX action taken on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only appear on my report with my explicit authorization. Since I did not authorize these inquiries, I request that they be removed promptly. 
I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of these unauthorized inquiries. 

If these inquiries were made due to identity theft or fraud, please advise me on the appropriate steps to take to further protect my credit. 

Thank you for your prompt attention to this matter. I appreciate your assistance in maintaining the accuracy of my credit report. Please contact me at ( XXXX ) XXXX or XXXX should you require any further information.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX SUBJECT : Request for removal of unauthorized credit inquiries Dear XXXX representative, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed inquiries that I did not authorize, and request their immediate removal. 
The following inquiries appear on my credit report without consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX actions taken on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX action taken on XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX action taken XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only appear on my report with my explicit authorization. Since I did not authorize these inquiries, I request that they be removed promptly. 
I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of these unauthorized inquiries. 

If these inquiries were made due to identity theft or fraud, please advise me on the appropriate steps to take to further protect my credit. 

Thank you for your prompt attention to this matter. I appreciate your assistance in maintaining the accuracy of my credit report. Please contact me at ( XXXX ) XXXX or XXXX should you require any further information.

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 2025-03-17 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: NJ

Complaint narrative:
I just reviewed my credit report and notice some inquiries I don't recognise. I'm really anxious because I believe I've been a victim of fraud. This whole situation has been incredibly stressful, and it's preventing me from accessing the credit I urgently need. I'm truly overwhelmed and don't know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 2025-03-17 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: NJ

Complaint narrative:
I just reviewed my credit report and notice some inquiries I don't recognise. I'm really anxious because I believe I've been a victim of fraud. This whole situation has been incredibly stressful, and it's preventing me from accessing the credit I urgently need. I'm truly overwhelmed and don't know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 non-monetary relief
Consumer complaint received 2025-03-17 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Original Request XXXX This matter is not settled due to my rights being violated. My information continues to be reported inaccurately on my credit report. The documentation provided listed the name, but I do not recognize the company or accounts for which they sent documentation. None of the documents that were sent were any of the documents I requested for validation of any of the alleged debt owed to Spring Oaks Capital as owner of the alleged debt. Documentation originally requests validation letter with my original signature, chain of assignment letters, forward flow agreement, and purchase agreement, have never been received to validate any debt. Since this documentation has not been provided and I do not have any knowledge of a signed contract with Spring Oaks Capital my rights under 15 USC 1681 have been violated.

In addition, I am requesting a description of the procedure used to determine the accuracy and completeness of the information that is being disputed. Who was interviewed regarding this account? How did you come to this determination? What process was used to determine the alleged amount owed? Proof the company is licensed in my residing state of Pennsylvania. If the requested documentation is not provided and verified per FCRA and Consumer Law guidelines, 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i I request the immediate removal from reporting on credit.

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
EQUIFAX is violating my rights by refusing to remove fraudulent information a fraudulent closed account from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) from my credit report, despite my cease and desist request and submitted FTC report. This noncompliance is a direct violation of 15 U.S. Code 1681s-2 and 15 U.S. Code 1681c-2, and I demand immediate action to rectify this issue. I have no knowledge of this account. Per 15 U.S. Code 1681s-2 ( a ) ( 8 ) & 1681c-2, I request an immediate cease and desist of any reporting and the prompt removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive never had a contract with XXXX XXXX and Im unaware why or how you have my personal information. I never received a disclosure to opt out of sharing my personal information with you. I do not give you permission to add this alleged debt to my credit report. Please forward the alleged contract between us to verify this alleged debt is accurate. You have a grave duty to verify that this information is accurate since it bears against my credit worthiness. You have 5 business days to respond to this letter with the requested contract to verify this alleged debt between me and you, XXXX XXXX. If you choose not to comply, then you choose to break the laws set forth by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
Ive never had a contract with XXXX XXXX and XXXX unaware why or how you have my personal information. I never received a disclosure to opt out of sharing my personal information with you. I do not give you permission to add this alleged debt to my credit report. Please forward the alleged contract between us to verify this alleged debt is accurate. You have a grave duty to verify that this information is accurate since it bears against my credit worthiness. You have XXXX business days to respond to this letter with the requested contract to verify this alleged debt between me and you, XXXX XXXX. If you choose not to comply, then you choose to break the laws set forth by Congress.

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 2025-03-17 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am writing to formally dispute the validity of XXXX XXXX, XXXX XXXX, and LVNV, which your agency claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, I request you provide written verification of the debt. Including the name, address, of the original creditor. Documentation providing I am legally obligated to pay this debt, and a detailed account of the amount owe. Additionally, pursuant to 15 U.S.C 1692c ( c ), I hereby demand that you cease all communication with me regarding this debt immediately. Be advised that continued attempts to collect this debt without providing validation, or any communication beyond the scope permitted by 1692c ( c ) constitutes a violation of federal law. If you can not validate the debt you must cease all collection activities. Promptly notify any credit reporting agencies ( CRAs ) to delete this disputed information from my credit file. I reserve the right to take legal action if you fail to comply with these request.

Company response to consumer: Closed with non-monetary relief