vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: ME

Complaint narrative:
Violation of FERPA The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ; 34 CFR Part 99, safeguards the privacy of student education records. Under FERPA, personally identifiable information ( PII ) from student records can not be disclosed without explicit consent, except under legally specified circumstances. I have reason to believe that my educational records and related student loan information were accessed, disclosed, or misused in ways that violate FERPA protections. Specifically, [ explain any instances where your records may have been mishandled, such as unauthorized disclosure, improper third-party access, or lack of consent for sharing information ]. 
Violation of the Privacy Act of 1974 The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that protects individuals ' personal information from unwarranted government intrusion and provides individuals the right to access and amend their records. I am invoking my rights under this Act due to the following reasons : My personal records, including student loan information, have been handled in a manner inconsistent with the Privacy Act 's guidelines. 

I was not properly informed about the disclosure or access to my personal data. 

I was denied access to my own records or prevented from correcting inaccuracies. 

Due to these serious violations of federal law, I am requesting a full discharge of my student loans serviced by MOHELA. These breaches compromise the integrity of my financial records and violate my legal protections. If this issue is not resolved in a timely manner. 

I request a written response acknowledging the receipt of this letter and outlining the steps MOHELA will take to investigate and resolve my concerns. Please provide this response within 30 days from the date of this letter. If necessary, I am willing to provide additional documentation supporting my claims. 

Thank you for your prompt attention to this urgent matter. I look forward to your response and resolution. 

My email address is XXXX Mohela is my servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
Made a request to Cash App Customer Service threw the app for a refund and didnt receive an answer at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I am submitting a formal complaint against Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, continuing to negatively impact my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic violations, including the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and not adequately notifying consumers of the results of their disputes. These violations mirror my experience, where Experian has not only failed to correct or remove the disputed items but has also neglected to consider the supporting evidence I submitted. 

Experians inaction is a direct violation of the Fair Credit Reporting Act and is causing ongoing harm to my credit profile, despite my compliance with the dispute process. This failure to properly investigate and resolve disputes leaves unresolved inaccuracies, which continues to negatively impact my financial well-being. 

I am requesting immediate corrective action to remove the disputed accounts from my credit report, as Experians failure to comply with federal law undermines my rights as a consumer. It is essential that Experian be held accountable for its actions and ensure that consumer disputes are thoroughly investigated and resolved in accordance with the law. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take prompt action to ensure that Experian corrects its practices and complies with the legal requirements set forth under the Fair Credit Reporting Act.

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 2025-03-05 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-05 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX default judgment should be in my name not XXXX XXXX whom is my mother 's name, but my name XXXX XXXX was removed in XXXX or XXXX for an unknown reason. I was never served by anyone nor was my mother, we both lived at the same address at the time a processor claims he served papers to my Mom but I couldn't be found. We live at this same address for 40 years. My parents are XXXX and XXXX living on social security and veterans XXXX. My Mom received these letters with no court stamp or signature from a judge. 
When I go to this court case online it is closed and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I want to dispute the inaccurate accounts on my credit report and request their removal due to improper investigation, which violates the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the accounts in question have not been properly investigated, leading to inaccurate information remaining on my report. 
Please confirm receipt of this dispute and provide me with the results of your deletion of the following accounts : * XXXX XXXX XXXX - {$210.00} XXXX XXXX SE- {$230.00} 1. 15 USC 1681i ( a ) - Under the Fair Credit Reporting Act, Equifax is required to conduct a " reasonable reinvestigation '' of disputed items. This reinvestigation must be completed in a manner that meets the FCRAs standards. However, my dispute has not been handled properly, violating this requirement. 
2. 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) - This section mandates that Equifax notify me of the results of your reinvestigation and provide details on the steps taken. To date, I have not received the proper documentation or results regarding the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TX

Complaint narrative:
I have had the same account with them for over 30 years, I am XXXX XXXX XXXX and I have paid them enough money through the years to buy a house. You can't get away from them. They have you in a vicious circle and you never get out. The minute you get behind, they just want you to renew your loan. All the money that you have paid them doesn't count anymore. You just start all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One portal showed the account as restricted while there was a balance, as soon as the balance was paid off, the portal status changed to account closed. When I inquired about the account with the creditor, the representatives advised the account was closed for a year. The creditor reported the account as closed as of XX/XX/XXXX to the major credit bureaus, however, the creditor was still reporting late payments from XX/XX/XXXX through XX/XX/XXXX after the documented account closure date of XX/XX/XXXX, further causing misleading information on account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on myequifax.com i can not access my credit report. i get an error message of blnk i complained until i am blue in the face. yet they still have not fix it, even though i vertified my identity. according to the FCRA, it is illegal for a consumer to not be able to access his credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal dispute regarding inaccuracies in my credit report related to my personal information. Specifically, I have identified incorrect variations of my name and outdated, incorrect addresses that do not accurately reflect my legal identity. My full legal name is XXXX XXXX XXXX, and my correct current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. However, my credit report reflects inaccurate addresses and names that should not be associated with me. In particular, I am disputing the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX These entries are inaccurate and should be removed immediately to ensure my credit report reflects only correct and verifiable personal information. I am requesting that the CFPB ensure that the credit reporting agencies properly investigate and correct these errors as required under the FCRA, 15 U.S.C. 1681i ( a ).

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 2025-03-05 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: SC

Complaint narrative:
I am disputing this ( Absolute Resolutions ) account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted. 


Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report. 


I request the following actions : Conduct an investigation as required by the FCRA. 
Provide me with documentation verifying the accuracy of the account. 
If you can not verify the accuracy, remove this account immediately. 
Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I am disputing this ( Absolute Resolutions ) account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted. 


Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report. 


I request the following actions : Conduct an investigation as required by the FCRA. 
Provide me with documentation verifying the accuracy of the account. 
If you can not verify the accuracy, remove this account immediately. 
Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by law.

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 2025-03-05 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: NV

Complaint narrative:
I checked my credit report today XXXXXXXX  and noticed a collections account from experian. This medical bill that is in litigation with XXXX XXXX XXXX. Once again Experian violated putting a medical bill on credit report. I have included XXXX XXXX XXXX letter. I filed charges against XXXX XXXX. 

Please stop violating my rights I am requestingXXXX for violating my rights.

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