vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We received a very short notice in the mail on XX/XX/year> that our business bank account would be closed due to CapitalOne disclosures to close accounts at any time for any reason. The close went into effect XX/XX/year>. We never received one correspondence via email, text or even within the app or website of this change. Only the mail notice. For something this urgent, CapitalOne should have used email and mail or at least two methods of contact as they've done in the past to reach us. We called their service number twice to understand what policies or governance we broken to require a shutdown of the account and no one could explain the reason but that CapitalOne just wants to. When asked why the check hasn't been issued but none of the funds are available ; they explained that the account isn't technically closed and they don't know when the account will close to start the issuing of the check although all the funds are locked from our use. It is illegally for a bank to hold any funds without notification of the reason for the hold and when the funds will be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my report and discovered that this account was reported without any prior notification to me. As per the Fair Debt Collection Practices Act ( FDCPA ), I should have been notified about this collection account before it was reported. 

I kindly request that you investigate this matter and provide me with verification of the following : Proof that I was notified about the collection account as required by law. 
Documentation validating the debt, including the original creditor 's information. 
If the collection agency can not provide verifiable proof of notification, I request that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-08 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed some inaccuracies. The following items appear to be incorrect : XXXX XXXX XXXX - {$1300.00} PORTFOLIO RECOVERY ASSOCIATES - {$1300.00} PORTFOLIO RECOVERY ASSOCIATES - {$5600.00} XXXX XXXX - {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I am struggling to pay this loan and am unable to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
To whom it may concern, I XXXX XXXX is writing in concerns of DEPTTEDXXXX for reporting to the credit bureau that my payments were more than 30 days late. I have no knowledge of my payment being late I was not sent this information nor did I speak to anyone about my payment being late. Im on XXXX and I reported this to the student loan department. They can pull my social and tell that Im unemployed. I truly have been stressed out behind this situation it has taken my credit for a turn to worse.

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 2025-03-08 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: MD

Complaint narrative:
To whom it may concern, I XXXX XXXX is writing in concerns of DEPTTEDXXXX for reporting to the credit bureau that my payments were more than 30 days late. I have no knowledge of my payment being late I was not sent this information nor did I speak to anyone about my payment being late. Im on XXXX and I reported this to the student loan department. They can pull my social and tell that Im unemployed. I truly have been stressed out behind this situation it has taken my credit for a turn to worse.

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 2025-03-08 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 address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
Dear Sir/Madam Recent indicate that the individuals associated with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been granted unauthorized access to the XXXXXXXX Department of Education 's federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, included myself. 
Specifically, it has been reported the XXXX representatives have been feeding data from the Education Department into artificial intelligence systems maintained by third parties, subjecting the data to significant security risks. 
As a borrower, i am deeply concerned that my personal information, including my Social Security number, tax identification number and financial records, has been accessed and potentially misused without my consent. This unauthorized access constitutes a gross violation of federal privacy rights and nullifies my enforceable loan agreement under federal law Legal Grounds for Discharge : 1.FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of Privacy Act of XXXX  : The mishandling and authorized disclosure of my personal information contravenes federal requirement that safeguard the privacy of individual 's data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : compliance in loans transfers.

The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loans transfers. The transfer of loans to XXXXXXXX XXXX XXXX XXXX  subsequent data breaches demonstrates clear negligence.

4. Breach of contract and Data Security obligations : By failing to protect my sensitive information, Nelnet have breached contractual terms and obligations, rending these debts unenforceable.

Demand of Resolution : Given the severity of the breach and the resulting compromise of personal and financial information, I requested that you immediately cancel and discharge my student loan debt in full. Immediate and unconditional cancellation of all financial obligation associated with my student loans. 
Complete removal of all Nelnet related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days If my demands are not met, I reserve the right to pursue all available legal remedies from these privacy breaches and Violations of federal law. 
Your prompt attention in this matter would be greatly appreciate Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
To Whom It May Concern : I am writing to formally dispute the following inaccuracies on my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Upon review, I have identified the following erroneous items : Billing Error ( Violation of 15 U.S.C. 1666b ) XXXX XXXX XXXX  Account Number : XXXX Request : Please remove this inaccurate information from my credit report immediately. 

I hereby request that you conduct a full and complete investigation of the above-referenced items and remove them from my credit report if they are found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i. Furthermore, as stipulated by 15 U.S.C. 1681i ( a ), I expect the investigation to be completed within 30 days of receipt of this dispute. 

Additionally, I request that you send me an updated copy of my credit report following your findings, free of charge, as mandated by the Fair Credit Reporting Act. Should any of these items be removed, I ask that you notify any third parties who have received my credit report in the past six months of these corrections. 


Thank you for your immediate attention to this matter.

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 2025-03-08 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 ( Block , 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 2025-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been contacting Nelnet via emails since XX/XX/XXXX regarding my Borrowers Defense Group Discharge of my Student Loans from XXXX XXXX XXXX XXXX XXXX 

With that being said, Nelnet replied to me in their letter dated XX/XX/XXXX regarding my Borrowers Defense Group Discharge, but their information in their letter is incorrect. They stated in their letter that I had applied for Borrowers Defense to repayment discharge on XX/XX/XXXX with XXXX, which is the incorrect date for when I applied for Borrowers Defense. The date that I applied for Borrowers Defense was XX/XX/XXXX. Also, since I attended XXXX XXXX XXXX XXXX XXXX within the time frame of the Department of Education 's Borrowers Defense Group Discharge, my loans should be fully discharged and all payments I made towards the loans should be refunded to me. 
Also the Federal Student Aid Website shows the actual date for when I applied for the Borrowers Defense which was XX/XX/XXXX. In fact, the website shows and proves that my Borrowers Defense Case is Processing Discharge. Also, the Federal Student Aid Website shows under the heading Loan Forgiveness and Discharge : Borrowers Defense it states my Loan Servicer, which is Nelnet, had processed loan ( s ) discharge ( s ) and a Loan Discharge was applied on XXXX XXXX XXXX  to my loans. 

My Nelnet account does not show any information about my loans being discharge and Nelnet needs to correct their records accordingly so that the filing date for my Borrowers Defense application is XX/XX/XXXX. Also per the Federal Student Aid website, showing that my student loans have been discharged, Nelnet needs to update my account to showing my loan ( s ) discharged information and the refunds of my payments made to the loans should also be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I do not recognize this address please remove. 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 2025-03-08 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: FL

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-03-08 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: MO

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to complete its investigation of a disputed account within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). I disputed an account from XXXX XXXX XXXX on my credit report, and Equifax has exceeded the 30-day period allowed by law to investigate and verify the accuracy of the reported information.

Under the FCRA, Equifax is required to complete its reinvestigation within 30 days ( or 45 days if I provided additional information after the initial dispute ). However, my dispute has remained unresolved beyond this timeframe, which constitutes a violation of my consumer rights. This delay has caused ongoing harm to my credit profile, as the unverified negative account continues to impact my creditworthiness. 

I request that the Consumer Financial Protection Bureau investigate Equifaxs failure to comply with federal law and take appropriate action to ensure my dispute is resolved promptly. Additionally, I demand the immediate removal of the XXXX XXXX XXXX account from my credit report, as Equifax has failed to verify its accuracy within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Ic systems inc one for XXXX  and XXXX tried to dispute no luck XXXX  closed settled but still 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