vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: PA

Complaint narrative:
Went to XXXX XXXX in Washington, Pa for an XXXX. While signing in, I was told that if I paid the co-pay today, it would be at a reduced rate, so I paid amount asked for. This was on XX/XX/XXXX. I paid asked amount and had procedure done. On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX stating I owed {$95.00}, due from XX/XX/XXXX. My husband called the hospital, which had become XXXX, and questioned the collection attempt mailed to me. We were told that the amount asked for was an estimate and the actual amount was {$95.00} more than I paid. About XXXX weeks later my husband got a call from the hospital stating that we had to pay an additional {$95.00}. He told the caller that he was there when I paid the {$200.00} asked for and was told that that amount was sufficient for my co-pay. We have never received an additional claim for a different co-pay amount and if we had, payment arrangements could have been made. I believe this has come about due to the take-over of Washington XXXX XXXX XXXX XXXX XXXX My husband had the same procedure done weeks later and paid the same reduced co-pay amount I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App due to inaccurate customer service and unfair practice which violates the consumer financial protection act Cash App failed to protect my identity from fraud leaving my account vulnerable and unprotected and they did not comply with the electronics fund transfer act and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : EXPERIAN 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 : Dispute of Collections Account # XXXX. 

Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. I would also like to see that original creditor has not been paid off said debt because if said debt is paid off I am not required to pay a collections company in which I have no contract with. 


Thank you for your attention to this urgent matter. 

Sincerely, 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 2025-02-15 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: CA

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.

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 2025-02-15 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization.

The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit profile that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit profile negatively when they are unauthorized and unverified and serve no permissable purpose/ I was also involved in the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
I checked my email from XXXX XXXX saying that my student loans balances are delinquent because it passed 90 days. I checked my XXXX XXXX XXXX and my TransUnion score dropped from XXXX to XXXX, and my XXXX score dropped from XXXX to XXXX. I applied on my student loan account XXXX for a new payment plan ( SAVE ). They confirmed and provided a letter as of XX/XX/year> that my loans were officially in forbearance and that I do not owe or need to pay anything for 60 days from when I applied which was XX/XX/year> until they make a decision on what I need to pay. They provided my a letter confirming this dated XX/XX/year> confirming that all my loans are currently in forbearance. Then I get a notification from the credit bureaus showing that my loans are delinquent when they are in fact not delinquent.

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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My wallet was stolen at the gym ( XXXX XXXX  ) on XX/XX/year>. All 7 credit cards and one debit card was charged ranging between {$200.00} and {$600.00}. One of the credit card is Barclays master card. I disputed the transaction that was made at XXXX and gave me a provisional credit but they came to conclusion that the transaction was valid therefore they charged the disputed transaction for {$250.00}. I do have a police report on file. It is frustrating that they came to this conclusion without doing their due diligence to protect their customers from fraud or thieves!

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 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We bought chairs from XXXX XXXX over the phone because their online system wasnt working, which was communicated at the onset of the transaction in text. The chairs arrived scratched up and wobbling, but because the invoice reflects an in store purchase since it was completed over the phone, they claim we forfeit the right to a refund. 

We want to return them because they are plastic and not full wood as they describe on their website and their policy is that once its delivered we can not return them if bought in store but WE DID NOT buy in store. We attempted to buy online which then allows for a 3 day return window. 

Again, we did not buy them at the store, I tried to buy it online, but the site did not have an option to use the financing card I have with them so I had to give my card over the phone to the sales associate. I bought the chairs from my couch, so I was physically not at the store. 

In addition to this issue, I communicated to them that their delivery window no longer worked for my work schedule and they said it wouldnt be an issue, I would have 24 hours to file a complaint should there be any issues with the products received. Well, there were multiple issues and now they are claiming the accepted delivery forfeits my right to a refund, I can only exchange it for a product of equal or greater value. In short, I can not return these chairs and Im stuck with a shoddy product. 

By this logic I could walk into a XXXX XXXX, see a dresser I like, buy it online, but since I saw it in the store once prior to the online purchase, I dont qualify for the online return policy so I would be stuck with it if I had it delivered and accepted it. 

This is unacceptable obviously, we dont want a bad product and their refusal to help and the slimy ways theyre trying to get out of helping us is insulting. We provided screenshot evidence of the system not working and us communicating with a sales rep via text about the issue only to have that conveniently untraceable even though we provided it via a XXXX XXXX customer support chat. Weve reached out through the text chat and through phone calls multiple times. Weve asked to escalate the issue and are promised a call back from a manager only to not have the manager reach out. They are also claiming were 3 days into our delivery when in fact were only 2 days in. Every step of the way is them trying to get out of helping us.

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 2025-02-15 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: FL

Complaint narrative:
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  Dear Experian, I am writing to formally express my dissatisfaction with the handling of my credit report dispute. Despite my repeated requests, I believe Experian has failed to conduct a reasonable reinvestigation of the disputed information, as required under the Fair Credit Reporting Act ( FCRA ). As a result, inaccurate and unverifiable accounts remain on my credit report. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, highlighting systemic issues that may directly impact consumers like myself. My experience mirrors the CFPB 's concerns, as Experian has neither corrected nor removed the disputed items from my report. 

I demand that you immediately delete the inaccurate and unverifiable accounts from my credit report. Additionally, I request that you conduct a thorough and compliant reinvestigation in accordance with the FCRA to ensure full accuracy. 

For reference, I am asserting my rights under the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) Challenges the 30-day response timeframe.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Challenges the adequacy of the investigation process.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Challenges reinsertion protocols for disputed information. 
I expect a prompt and compliant response confirming the deletion of these items from my credit report. Please provide written confirmation once the deletions have been completed. 

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 non-monetary relief
Consumer complaint received 2025-02-15 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: The Receivable Management Services LLC
State: IN

Complaint narrative:
I submitted this as complaint XXXX The Creditor asked for proof that I was affected by identity theft or fraud. I attempted to submit a complaint with the FTC but I was directed to CFPB however I was involved in the XXXX Data Breach and was paid a settlement and I have the Email confirmation as to that settlement payment being sent out to me. This account is unauthorized and I have no Knowledge of the account being opened. This account is having a negative impact on my credit profile and I would like it removed from my credit profile

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXXXXXX XXXX XXXX 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXXXXXX XXXX XXXX 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities.

The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices.

The Department of Education has failed to correct the issue despite my formal dispute.

What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report.

Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX XXXX. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/year>, I received a letter in the mail from CHASE bank stating that on XX/XX/year>, I requested credit through this bank, however, because this has happened numerous times in the past with this specific bank, I have frozen my credit with all three bureau 's. CHASE stated in the letter that they were unable to run my credit through XXXX and requested I unlock my credit within 14 days of the dated letter. I did not, nor have I ever, submitted an application for a checking/savings account or credit through CHASE bank XXXX I have even gone in person to the branch and called their customer service numerous times to request an alert to be placed on my name, date of birth, and SSN for any and all applications. However, it seems even with these alerts in place, they are still attempting to run my credit for fraudulent applications they receive instead of calling me first to verify it was actually me who requested the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 USC 1681b and 15 USC 1681c, I did not authorize the release of my personal information to the entities in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe is a violation of my consumer privacy rights. Additionally, there are unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that I did not initiate, indicating potential identity theft. Pursuant to the applicable legal statues, I do not owe any debts to these entities and request the immediate removal of the disputed items to correct my credit report. Please address this matter promptly and confirm the removal of the inaccurate entries.

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