vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I attempted several times to surrender my vehicle to Bridgecrest, but no repossession or retrieval was ever arranged despite repeated outreach. Eventually, the city of XXXX D.C. impounded the vehicle due to it being left without action from the lender. 

The account is now reported as a charge-off with the full balance, but this does not reflect the true handling of the asset. Bridgecrest failed to recover the vehicle, and their reporting is incomplete or misleading under the Fair Credit Reporting Act ( FCRA ). 

Please verify the full details of this account, including efforts to recover the vehicle and final disposition. If this can not be substantiated, I request the account be corrected or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: SC

Complaint narrative:
I attended XXXX College in XXXX for a XXXX XXXX, a XXXX month program but the school closed the doors in XXXX right before graduation. A few months later I was sent a loan discharge packet from ED Financial Services. I was then denied the loan saying I needed proof of being enrolled in the closed school. I dont understand why I was told this when I was mailed a loan discharge application without requesting it, I didnt know any of such existed. Ed Financial verified all of my personal information including enrollment dates but yet theyve made excuse after excuse as to why my loan discharge application couldnt be approved. I feel its unreasonable for me to repay a loan that was disbursed to a fraudulent school such as XXXX College. While attending school, there were no refunds disbursed to me as an individual and I dont feel responsible for repaying any of the fraudulent funds. I am requesting that my loan be XXXX as if the loan is fraudulent and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
XX/XX/year> Re : Formal Dispute Unverified XXXX XXXX Reporting ( Immediate Deletion Demanded ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding XXXX XXXX accounts reported by [ Insert Servicer Name ( s ), e.g., XXXX, XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - 1. Issue : Missing Master Promissory Note ( MPN ) Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ) Demand : Delete the account ( s ) unless the original, wet-ink signed MPN is provided. Electronic or summary data is insufficient under federal evidentiary standards. If no valid contract exists, the account must be removed. 

-- - 2. Issue : Inaccurate Reporting of Loan Status ( Forbearance/Deferment ) Law : 15 U.S.C. 1681s-2 ( b ) Demand : Verify whether this loan is under administrative forbearance or federal deferment. If so, it can not be reported as past due. If verification fails, delete the tradeline for inaccurate furnishing. 

-- - 3. Issue : Metro 2 and CDIA Noncompliance Law : Metro 2 Format Guidelines & FCRA Demand : Reporting unverifiable or paused student loan accounts violates Metro 2 standards. If not accurately validated per CDIA guidelines, delete the account immediately. 

-- - Failure to Comply : You must respond within 30 days under the FCRA. Noncompliance will be reported to the CFPB and may result in legal action under 15 U.S.C. 1681n and 1618o Transunion tried to claim that they didn't know account, nor my reason stated for removal. I clearly stated account information and that they provided illegal access to my financial and student loan records

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 2025-05-03 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 2025-05-03 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-03 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXXXXXX XXXX  acct # : XXXX

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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, inaccurate, and false information consists of an account opened at an account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX 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 XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-05-03 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I submitted a dispute regarding one of my student loans to TransUnion that reads, " Due to ongoing legal and privacy concerns involving DOGEs reported access to federal student loan data, Im requesting that this account be reviewed for accuracy and compliance with borrower privacy rights. Im concerned that my personal information may have been improperly handled or shared without authorization. On XX/XX/year>, I received a response stating the account was verified as accurate, but the response did not address my concerns about a potential violation of my borrower rights. I requested that TransUnion review whether my personal data was improperly shared or accessed without authorization, but this was not acknowledged in their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: MS

Complaint narrative:
This company called for an outstanding medical bill over 5 years old. I questioned whether they submitted the bill to my insurance and they stated " insurance will only pay before one year, we waited 5 years to collect so they won't pay now you need to ''. This is their failure to submit proper medical claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then, the account has repeatedly, been updated as charged off every month. This is updating the payment history. A charged off account should not include an active payment history. This inaccurate information. It manipulates the statutes of limitations. Your failure XXXX investigate this account properly after I ask you XXXX do so multiple times has violated my rights. I am demanding a deletion of this account. 

Account XXXX : XXXX XXXX XXXX Account # : 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint because creditors are reporting late payments on my accounts that are inaccurate and not properly verified. I have disputed this directly with all XXXX credit bureaus and the furnisher, but the late payments still remain without proper validation or documentation. Under 15 USC XXXX XXXX XXXX ( a ) furnishers must report accurate information under 15 USC XXXX ( I ) the credit bureaus must perform a reasonable investigation within XXXX  days. Neither of the credit bureaus have provided sufficient evidence to support negative reporting. All of these are closed accounts which has been closed over XXXX or more years ago but are still reporting late payments in XXXX. Law 15. USC XXXX ( a ) requires a specific adverse action notice when adverse action is taken based on information contained in a consumer report. 
XXXX XXXX closed XX/XX/XXXX XXXX closed XX/XX/XXXX XXXX closed XXXX, XXXX

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

Complaint narrative:
I am filing a complaint because creditors are reporting late payments on my accounts that are inaccurate and not properly verified. I have disputed this directly with all XXXX credit bureaus and the furnisher, but the late payments still remain without proper validation or documentation. Under 15 USC XXXX XXXX XXXX ( a ) furnishers must report accurate information under 15 USC XXXX ( I ) the credit bureaus must perform a reasonable investigation within XXXX  days. Neither of the credit bureaus have provided sufficient evidence to support negative reporting. All of these are closed accounts which has been closed over XXXX or more years ago but are still reporting late payments in XXXX. Law 15. USC XXXX ( a ) requires a specific adverse action notice when adverse action is taken based on information contained in a consumer report. 
XXXX XXXX closed XX/XX/XXXX XXXX closed XX/XX/XXXX XXXX closed 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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-05-03 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
" Medical Data Systems I '' has placed a collection account on my credit for something I am not responsible for. My medical insurance has already paid and now they are attempting to extort addition money from me. Their phone number is listed as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
The account isn't properly verified, as the original signed promissory note is lost. 
Under the FCRA, I'm requesting the account removal as the servicer has not provided proper documentation to verify the debt. 
This account balance can not be verified as accurate and consistent across all credit bureaus, and remains unresolved. I am demanding that it be deleted entirely from my credit file under FCRA 15 U.S.C. 1681i. 

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-05-03 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The item in question is a delinquent account listed under the name XXXX XXXX with the account number [ XXXX ]. I believe this information is incorrect because I made payments and have proof of the same. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be investigated and either corrected or removed from my credit report. Enclosed are copies of documents supporting my claim, including payment history records. 

I kindly request that you complete the investigation within 30 days, as required by law, and provide a written statement of the results. Should any changes be made to my credit report, I would appreciate it if you could send me an updated copy. 

I thank you for your prompt attention to this matter and eagerly await the resolution of this dispute. 

Warm regards, 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