vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX ) : XXXX XXXX XXXX : [ Can you please verify this account as being my account ] Account Number ( if applicable ) : [ ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX ) : XXXX XXXX XXXX : [ Can you please verify this account as being my account ] Account Number ( if applicable ) : [ ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Reported increase in loans due to interest during former president Bidens pause on loans that then negatively impacted my credit as it showed an increase in loans as if I took out more loans. This should have been handled differently as I had no choice in the government pausing reporting. I want these negative marks on my credit report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). specifically Cash App failed to take timely and effective measures to prevent 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 solution requirements under the the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 obligations under the fair credit reporting act to conduct a responsible reinvestigation of disputed information on my credit reporting act, leaving inaccurate or unverified accounts unresolved. The CFPB, ( Consumer Financial Protection Bureau ) has recently filed a lawsuit alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Experian has neither corrected nor removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed items and/or amend disputed accounts as Experians in action 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 2025-02-09 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: CT

Complaint narrative:
I have reviewed and requested investigations and removals of items from my credit report that have been ignored or " updated '' with no changes. I have received letters from Experian saying they will not investigate my disputes because they do not believe I sent the letters. I have signed, each letter I have sent I have included in detail what is wrong and what needs removed. I have included my Photo ID and Proof of Address in each dispute I have mailed via certified mail. I have the same response every time I believe Experian is not doing any investigation at all and they are sending out generic automated response letters so that do not have to look into my disputes. My rights have been violated several times under several FCRA guidelines and The delinquent payments shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I have reviewed and requested investigations and removals of items from my credit report that have been ignored or " updated '' with no changes. I have received letters from Experian saying they will not investigate my disputes because they do not believe I sent the letters. I have signed, each letter I have sent I have included in detail what is wrong and what needs removed. I have included my Photo ID and Proof of Address in each dispute I have mailed via certified mail. I have the same response every time I believe Experian is not doing any investigation at all and they are sending out generic automated response letters so that do not have to look into my disputes. My rights have been violated several times under several FCRA guidelines and The delinquent payments shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Request for Immediate Deletion of Charge-Off Account and Monetary Relief Due to Equifaxs Negligence To Whom It May Concern, I am writing to formally demand the immediate deletion of a fraudulent charge-off account that Equifax has repeatedly failed to properly investigate, despite my numerous submissions of supporting documentation. Additionally, I am seeking monetary relief for the harm caused by Equifaxs failure to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Equifax has knowingly and purposefully neglected its duty to conduct a thorough and fair investigation regarding the fraudulent charge-off on my credit report. I have submitted all required documents multiple times, yet Equifax has failed to take the appropriate corrective action. As a result, my financial well-being has been severely impacted, including damage to my credit score, emotional distress, and financial losses. 

With the recent lawsuit filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ) for similar misconduct, it is clear that Equifax has a pattern of failing to uphold consumer rights. Given this, I am demanding the following corrective actions : 1. Immediate Deletion of the Fraudulent Charge-Off : This account is inaccurate and must be removed from my credit report without further delay.

2. Monetary Relief : Due to Equifaxs negligence and failure to properly investigate my dispute, I am requesting financial compensation for the damages incurred, including but not limited to emotional distress, financial losses, and damage to my creditworthiness. 

If Equifax fails to take immediate corrective action, I am prepared to escalate this matter by filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages. I expect a written response confirming the deletion of the charge-off and outlining the compensation Equifax will provide. 

Please consider this my final attempt to resolve this matter amicably. I expect a response within 15 days of receiving this letter. 
Attached below are documents equifax requested from me that I sent multiple times that they claimed they never received. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MO

Complaint narrative:
Experian, Transunion and Equifax deleted inaccurate fraudulent account then re-inserted the item back on my consumer reports. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). In light of the rulings in XXXXXXXX XXXX  Trans Union Corp. and XXXX XXXX Equifax Information Services, it is clear that credit reporting agencies are obligated to ensure the accuracy of the information they report. Merely parroting data from creditors and collection agencies is unacceptable. Each of your agencies has a duty to conduct a thorough investigation and correct any inaccuracies promptly. I demand the immediate removal of these fraudulent entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on your part. Furthermore, I request that you provide me with written confirmation of the deletion of these items, as well as an updated copy of my credit report reflecting these changes. I am writing to formally dispute the accuracy of several accounts on my credit report and demand immediate action. As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This includes the right to challenge any inaccuracies and demand that you verify the disputed accounts and provide written confirmation of your findings.- Legal Recourse : If the CRA does not comply, the consumer can file complaints with the CFPB or take DO NOT REINSERT ITEMS BACK! Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items were validated properly. I demand you to delete these items from my credit file or I will seek Litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material Experian, Transunion and Equifax have all violated my rights and caused severe damage to my livelihood. Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Delete Immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to formally report a serious violation of my privacy and financial security due to the unauthorized access of my student loan records by DOGE ( Department of Governmental Education ). It has come to my attention that DOGE has gained access to sensitive Department of Education data, which includes my personal and financial information. This access has led to the exploitation of my student loan records, and I am deeply concerned about the legal and ethical ramifications of this breach. 

This unauthorized access has resulted in the following violations : Privacy Invasion : DOGE has accessed my personal financial records without my consent. 

Potential Fraudulent Activity : My student loan status and repayment details have been manipulated or misused without my authorization. 

Data Mismanagement : The Department of Education 's security measures have failed to prevent an unauthorized entity from obtaining my sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: GA

Complaint narrative:
Recently I have been made aware that XXXX XXXX and his associates have accessed private and sensitive information of American citizens including myself and I do not feel comfortable of safe continuing my loan payments as he has broken federal laws and accessed data that no one has been able to confirm or deny is safe. I currently do not trust my XXXX  in these hands. Thank you

Company response to consumer: Closed with explanation