vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into all erroneous entries and demand their removal if they can not be fully verified with proper documentation. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against your organization for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Legal Compliance Notice : Pursuant to FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit bureaus must reinvestigate these disputed items within 30 days and provide written notice of the results. If the information can not be verified with original creditor documentation, it must be removed from my credit report. 

Additionally, under FCRA 611 ( a ) ( 6 ) & ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) ], if any disputed item is modified or deleted, I request an updated copy of my credit report reflecting these changes. Per FCRA 612 [ 15 U.S.C. 1681j ], this updated report should be provided at no cost to me.

Failure to comply with these legal obligations may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office for non-compliance with the FCRA. 

I appreciate your prompt attention to this matter and look forward to receiving written confirmation of your findings and actions taken. 

Sincerely,

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 2025-02-10 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : Hard Inquiries 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

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 2025-02-10 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America and XXXX XXXX XXXX XXXX and trading bonds in my grantor name without the grantor knowledge or authorization which is a violation under the Hobbs act, organized crime RICO act security fraud, identity theft, fraud, forgery amongst UCC violations.

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 2025-02-10 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: TX

Complaint narrative:
I did an investigation on my credit report and found several items on there to be inaccurate. 

I am writing to formally request that Experian block and delete any fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) ( Fair Credit Reporting Act ).

I have recently been a victim of a data breach, and as a result, I believe my personal information has been compromised, leading to potential inaccuracies or fraudulent activity on my credit report.

Under 15 U.S.C. 1681c-2 ( a ), I am entitled to have any information resulting from identity theft blocked from my credit file. This includes any accounts, inquiries, or other information that I did not authorize or that resulted from fraudulent activity. 

Lets be sure to remove the following items from my credit report, immediately 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

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dear Sir or Madame, I am submitting this complaint regarding an issue that has significantly impacted my ability to access my student loan information. Recently, I became aware that access to the U.S. Department of Educations ( DOE ) system was restricted due to actions allegedly taken by Elon Musk or an entity under his control. As a result, I have been unable to retrieve essential information related to my student loans, which has directly caused delays in processing my income-driven repayment application. Due to this delay, I have accrued additional interest on my loans, increasing my overall debt burden through no fault of my own. I respectfully request the following actions : Immediate restoration of access to my student loan information.

Financial relief in the form of reimbursement or cancellation of the accrued interest caused by the delay in my IDR application processing.

Reversal of any late fees or penalties that may have resulted from the restricted access.

Investigation into the cause of the restricted access and whether this violates my rights under FERPA, federal loan servicing agreements, or other relevant regulations.

Assurance that future access to my loan records will not be unlawfully obstructed. 

Please confirm receipt of this complaint and provide guidance on the next steps. I appreciate your prompt attention to this matter and request a formal response outlining how you will address this issue. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1881c-2 ) that you compel Transunion, Experian and Equifax credit reporting agencies to 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 information consist of accounts, addresses and inquiries and are listed as followed 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I '' ve attached a copy of the FTC report as well as the notarized affidavits.

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: NY

Complaint narrative:
recieved a letter yesturday from XXXX XXXX XXXX about a wage garnishment starting XX/XX/XXXX from jefferson capital from a debt from XXXX from a online acct not belonging to me inwhich I currently have a acct with in good standing. I had to reach out to the attorney general because this debt was never validated with me showing i own this debt and it's also reached its satue of limitation to collect or sue fir a debt of 12 years the statueof limitation in ny to collect on a debt is XXXX yesrs. .I reached out to original merchant and they said it was sold to jefferson in XXXX. And had no information on the acct. I will also be going down to XXXX XXXX XXXX house this am to inform them aswel of me contacting the attorney general on this matter. There's also no record of this debt on my credit report. I never got court papers to appear but I get a income execution paper mailed to me. Very strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
I believe the account is invalid. ASSET RECOVERY SOLUTIONS. LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.

ASSET RECOVERY SOLUTIONS. LLC Original Creditor : XXXXXXXX XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centron Services
State: MT

Complaint narrative:
XXXX XXXX keeps calling me about medical debt I supposedly owe them. They call me from random numbers. They have been rude to me too. I told them to stop calling. They didnt stop. I also tried disputing the accuracy of the charges, and they deny me every time. Im so sick of dealing with them. Please help me with them. I cant believe that people will treat someone else that way. I have been harassed by them. The original creditors that say I owed this debt never attempted to collect any copays or debt when I was in the office. Also, Im not able to seek medical care from the facilities that say I owe them debt because of the debt I owe. I have to travel over an hour to another doctor. They are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filling 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 Subject : Notification of Identity Theft Due to Data Breach Dear XXXX, I am writing to formally notify you that my personal information was compromised in several data leaks, and I am now a victim of virtual identity theft and fraud. As a result, I request that you take immediate steps and actions to protect my credit and personal information, as well as investigating any fraudulent activity linked to my name. 

The data breach occurred on multiple platforms, and my sensitive data, such as Social Security Number, date of birth, address, email, phone number, bank information, debit or credit card details may have been exposed to unauthorized parties. Since learning of this breach, I have taken steps to secure my information, including placing fraud alerts on my accounts, but I am now experiencing unauthorized activity on my credit reports.

I respectfully request the following actions be taken to mitigate further damage : 1. Place a fraud alert on my credit report to notify potential creditors that my information may have been compromised.

2. Request a credit freeze to prevent any new accounts or inquiries from being made without my authorization ( if applicable ).

3. Investigate any unauthorized activity related to my personal information, including any suspicious accounts or credit inquiries.

4. Provide a copy of my credit report to help me identify and address any discrepancies caused by identity theft.

Enclosed, please find a copy of my [ government-issued ID, proof of address, or any other documents you may be submitting as evidence of your identity ], and any other required documentation to assist in the processing of my request.

Please confirm receipt of this letter and let me know the actions taken to protect my credit and personal information. I understand that this may take time, but I would appreciate any updates regarding the status of my case. 

Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-10 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: IL

Complaint narrative:
i contacted equifax transunion and experian for my credit reports, there is alot of hard inquries on all my credit reports by companies i never heard of nor did i apply for any loans or services from all these companies on TransUnion, Equifax and Experian companies, i had filed several complaints but they refuse to do nothing in which i was recently denied for loan., my credit report and information on my credit reports was data breached in XXXX  social security number too.just finding this out, but i was in the hospital for XXXX XXXXXXXX XXXX XXXX and i missed the deadline to file with the settlement administrator, all my personal information was breached on all my credit reports i am still recovering from a 6 hour operation i had XX/XX/XXXX XXXX i was in the hospital i have a XXXX and XXXX XXXX still helping me to heal and recover thru home visits 2 times a week.till this day. by law all credit reporting must remove all negative inquiries and company inquires within 30 days.please look into this as there are alot of mistakes of late payments as well i should only have 2 inquries on all my credit reports one is from rocket mortgage and thats it.

Company response to consumer: Closed with explanation