vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
- On XX/XX/2025 I requested a copy of my CLUE report from LexusNexis Consumer Center. I completed all requested information from https : //consumer.risk.lexisnexus.com/. I received a letter in the mail stating my request was denied. 

- On XX/XX/2025 I requested a copy of my CLUE report from LexusNexis Consumer Center. I completed all requested information from https : //consumer.risk.lexisnexus.com/. I received a letter in the mail stating my request was denied. 

- On XX/XX/2025 I requested a copy of my CLUE report from LexusNexis Consumer Center. I completed all requested information from https : //consumer.risk.lexisnexus.com/. I received a letter in the mail stating my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-25 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: FL

Complaint narrative:
I am submitting a formal complaint regarding several unauthorized hard inquiries that have been reported on my Equifax credit report. These inquiries have negatively impacted my credit score and were conducted without my consent. Below are the details of the unauthorized inquiries : XXXX Bank reported on XX/XX/year> XXXX XXXX  XXXX reported on XX/XX/year> XXXX XXXX XXXX reported on XX/XX/year> XXXX XXXX XXXXXXXX reported on XX/XX/year> I request that these inquiries be investigated and removed from my credit report immediately, as I did not authorize any of them. I have attempted to resolve this matter directly with the creditors and the credit reporting agency, but I have been unsuccessful. 

I am attaching copies of my credit report and any relevant documentation to support my claim. I appreciate your prompt attention and assistance in correcting this inaccuracy on my credit history. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Following accounts need immediate deletion, as there was no proof of thorough investigations, Experian, Transunion, and Equifax continue to report false information, this is beyond discriminatory at this point, also they refuse to delete items in litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Equifax is reporting the XXXX account # XXXX as " open '' and " 120 days late, '' which is materially inaccurate compared to XXXX and XXXX. I have submitted disputes and have not received a proper description of the verification process as required under 15 U.S.C. 1681i ( a ) ( 7 ). The discrepancies and lack of verification violate 1681e ( b ), 1681i ( 5 ), and 1681s-2 ( b ). 

The account has been assigned to two debt collectors without validation. I also submitted an FTC Identity Theft Report ( No. XXXX ), invoking my right under 1681c-2 ( a ) to block and delete unverifiable information. Equifax has failed to honor its legal obligations under FCRA and federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-25 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: OH

Complaint narrative:
I have not authorize any of these Inquiries to XXXX po box XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX This is scheduled to continue on my record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX This is scheduled to continue on my record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. This is scheduled to continue on my record until XX/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 2025-03-25 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am disputing this debt because I do not owe and everything is paid off.. I do not owe this debt, I have paid this debt,. 
I request that you verify the debt with the original creditor, as required by the Fair Debt Collection Practices Act. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 
I expect a response to this letter within 3 days. 
Thank you for your time and attention to this matter. 
Sincerely, RF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Im writing to express ongoing concerns regarding the status of my student loans and the lack of communication from these offices. 

Currently I have 10 loans. 
Over the past week and a half, I have sent two emails and attempted multiple times to reach a representative by phone tp Mohela. Unfortunately, Ive been met with long hold times ( ranging from XXXX to XXXX XXXX ) and disconnections either dropped calls or being stuck in the automated phone system. On the one occasion I did manage to speak with someone, the call was abruptly disconnected before I could even ask my question. 

Additionally, I recently received a bill for {$480.00}, starting in XX/XX/year>, despite being on the SAVE Plan. According to the official guidance published on StudentAid.gov, borrowers on the SAVE Plan are currently in a general forbearance, which was extended on XX/XX/year>, with repayment not expected to resume until XX/XX/year>, and first payments not due until XX/XX/year>. 

" Under this general forbearance, you do not have to make your monthly payments on your student loans, interest is not accruing, and time spent does not provide credit toward Public Service Loan Forgiveness ( PSLF ) or IDR. Servicers expect to complete the necessary technical updates to be ready to begin moving borrowers back into repayment no earlier than XX/XX/year>. '' Given this guidance, Im unclear as to why I am being billed at this time and why my account status does not reflect the general forbearance. I have not received any clarification or updates despite multiple attempts to reach your teams. 

I kindly request that someone from your support team review my account immediately and provide an update regarding : Why I received a bill under the current forbearance. 
When my account will be properly updated to reflect the SAVE Plan status. 
Why I have not received any responses to my prior inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called bank to have them replace my debit card that I misplaced and could not find. During the process I went into my app, just to look at my transaction history. I saw XXXX transaction that I did not recognize that were also unauthorized. On that very call I filed a dispute. I asked why wasn't I alerted about the transaction. I got no text or call from fraud. I filed a police report online which I gave them the filing number. Navy federal refused to credit me for the unauthorized charges. Within XXXX days they came to this decision. I went down to the police station an filed another report that has been signed by an XXXX and I sent them a copy of my statement and the police report. An I have been waiting. I call to check on the dispute I was told XXXX days ... but navy federal made the decision to not reimburse me for money stolen from my account ... that I was not aware of. As a part of having an account with navy federal. The contract states that I am not responsible for unauthorized transactions that are made fraudulently. Even with a police report I'm being punished by the people in the back office who clearly are abusing there position of power. I provided all supporting documents and I'm still have to wait for my credit, which on all levels, I feel as a customer a few consumer laws have been broken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have hard inquiry on my credit report from XXXX XXXX XXXX  the inquiry was at XX/XX/year> This inquiry was not made by me at all

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 2025-03-25 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: FL

Complaint narrative:
To whom it my concern the fallowing account XXXX XXXX  account numbers XXXX are claiming with a balance as you know.This is not possible and also a violation of my rights.Because of this account need to be removed from my credit report immediately due to no property validating the information in which a company passed to you .Please delete immediately. When the requested above deletion are made, Please mail me an updated copy of 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I called Mohela to reverse this and they hung up on me. I have sent email messages to provider and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: NV

Complaint narrative:
RE CFPB : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX RE FTC : XXXX, XXXX, XXXX, XXXX, XXXX Ombudsman Case # XXXX Control Number # XXXX Dispute Case # XXXX No. 

XXXX. 

You understand third-party debt laundering and extortion are Federally illegal felonies, yes? 
I never agreed to any such terms and conditions. 

The matter is reported to the authorities. 

Redress for damages XXXX, University of Nevada XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX ). 

Redress for damages XXXX, Naropa University XXXX XXXX XXXX ). 

Redress for damages XXXXPresent, California XXXX XXXX XXXX XXXX XXXX XXXX ). 

United States Department of Education, et al, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes, and issue me my earned XXXX in XXXX XXXX degree and diploma. 

You do not understand XXXX? 

CEASE AND DESIST. 

XXXX -- XXXX  XXXX XXXX XXXX, XXXX All Rights Reserved XXXX Wild XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as XXXX and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I discovered XXXX unauthorized transactions on my TD Bank debit card dated XX/XX/XXXX, and XXXX. Each transaction was labeled ATM DEBIT XXXX XXXX BALANCE A and charged {$200.00}, totaling {$1000.00}. XXXX transactions, totalling {$400.00}, has already been withdrawn without my authorization, while the other XXXX, totaling {$600.00}, are still pending. 

Importantly, my physical debit card has remained in my possession the entire time, and I did not authorize any of these transactions. It appears that someone fraudulently linked my debit card to their XXXX XXXX account and has been using it to transfer funds. I do not have an XXXX XXXX account so they referred me to contact my bank instead. 

As soon as I noticed the activity, I contacted TD Bank and filed a fraud claim for the {$400.00} that had already gone through. However, the total amount of fraudulent activity on my account is {$1000.00}, including the pending transactions. 

I am requesting that these unauthorized transactions be fully investigated and that appropriate action is taken to prevent further unauthorized use of my account.

Company response to consumer: Closed with monetary relief