vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a concerning issue involving the deletion of student loan dispute letters, which directly impacts borrowers ' rights and access to fair financial practices. The situation appears to be connected to violations involving XXXX XXXX and DOGE ( Dogecoin ), potentially impacting consumer protections and financial transparency. 

It has come to my attention that numerous student loan dispute letters submitted by borrowers are being deleted, ignored, or improperly handled. This raises significant concerns about compliance with consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other regulations designed to protect student loan borrowers. 

Additionally, if there are any financial or technological influencesincluding those linked to XXXX XXXX and DOGEthat are interfering with due process in handling disputes, this would be a severe violation of federal regulations. It is imperative that these claims are thoroughly investigated to determine if there are any improper business practices, digital manipulation, or undue financial influence affecting borrowers rights. 

I respectfully request that the CFPB urgently investigate : The deletion and mishandling of student loan dispute letters submitted by borrowers. 

Any potential interference linked to XXXX XXXX, Dogecoin ( DOGE ), or other financial entities in this process. 

Whether student loan servicers are failing to comply with federal protections by disregarding dispute requests. 

The role of financial manipulation in affecting borrowers ' legal rights and recourse options. 

As a concerned borrower and citizen, I urge the CFPB to take immediate action to ensure transparency, compliance, and fairness in the handling of student loan disputes. Please provide guidance on how borrowers can safeguard their rights against these violations and any corrective measures being taken. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise on the next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a concerning issue involving the deletion of student loan dispute letters, which directly impacts borrowers ' rights and access to fair financial practices. The situation appears to be connected to violations involving XXXX XXXX and DOGE ( Dogecoin ), potentially impacting consumer protections and financial transparency. 

It has come to my attention that numerous student loan dispute letters submitted by borrowers are being deleted, ignored, or improperly handled. This raises significant concerns about compliance with consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other regulations designed to protect student loan borrowers. 

Additionally, if there are any financial or technological influencesincluding those linked to XXXX XXXX and DOGEthat are interfering with due process in handling disputes, this would be a severe violation of federal regulations. It is imperative that these claims are thoroughly investigated to determine if there are any improper business practices, digital manipulation, or undue financial influence affecting borrowers rights. 

I respectfully request that the CFPB urgently investigate : The deletion and mishandling of student loan dispute letters submitted by borrowers. 

Any potential interference linked to XXXX XXXX, Dogecoin ( DOGE ), or other financial entities in this process. 

Whether student loan servicers are failing to comply with federal protections by disregarding dispute requests. 

The role of financial manipulation in affecting borrowers ' legal rights and recourse options. 

As a concerned borrower and citizen, I urge the CFPB to take immediate action to ensure transparency, compliance, and fairness in the handling of student loan disputes. Please provide guidance on how borrowers can safeguard their rights against these violations and any corrective measures being taken. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise on the next steps.

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 2025-03-14 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a concerning issue involving the deletion of student loan dispute letters, which directly impacts borrowers ' rights and access to fair financial practices. The situation appears to be connected to violations involving XXXX XXXX and XXXX ( XXXX ), potentially impacting consumer protections and financial transparency. 

It has come to my attention that numerous student loan dispute letters submitted by borrowers are being deleted, ignored, or improperly handled. This raises significant concerns about compliance with consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other regulations designed to protect student loan borrowers. 

Additionally, if there are any financial or technological influencesincluding those linked to XXXX XXXX and XXXXthat are interfering with due process in handling disputes, this would be a severe violation of federal regulations. It is imperative that these claims are thoroughly investigated to determine if there are any improper business practices, digital manipulation, or undue financial influence affecting borrowers rights. 

I respectfully request that the CFPB urgently investigate : The deletion and mishandling of student loan dispute letters submitted by borrowers. 

Any potential interference linked to XXXX XXXX, XXXX XXXX XXXX XXXX, or other financial entities in this process. 

Whether student loan servicers are failing to comply with federal protections by disregarding dispute requests. 

The role of financial manipulation in affecting borrowers ' legal rights and recourse options. 

As a concerned borrower and citizen, I urge the CFPB to take immediate action to ensure transparency, compliance, and fairness in the handling of student loan disputes. Please provide guidance on how borrowers can safeguard their rights against these violations and any corrective measures being taken. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise on the next steps.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-14 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: OH

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 605B of 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 non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited a check into my chase checking account in person with my father present whom is the trustee of the account the check was written. The teller informed us we would have access to the funds the next day after initiating a hold release form. The bank the check was written from XXXX XXXX / XXXX XXXX has verified funds are there and the checks of good value. Chase has denied me access to any of the money for 10 days with no reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Some applies for a credit card with Bank Of America in another State and I reported it. I had to freeze me credit but it is still showing up on my 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have recently come across inquiries from your company on my credit report that I never authorized.

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 2025-03-14 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I did not authorize those inquiries to run my 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 2025-03-14 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: WI

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 2025-03-14 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: Aldous & Associates, PLLC
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST ALDOUS AND ASSOCIATES Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe ALDOUS AND ASSOCIATES Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to ALDOUS AND ASSOCIATES. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XX/XX/year> ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This company had not only been harassing me with phone calls about this debt before it was sold to a 3rd party without me knowing and then the 3rd party threatened to sue me and seize my financial assets etc. and sent someone to my residence. The person they sent to my residence was harassing me about this and came to my door over XXXX times I have them on my ring doorbell. These both violate not only my rights but as well as Section 1692d ( 5 ) in Title 15 of the U.S. Code. If anything I should be the one suing the agency for violating Section 392.403 of the Texas Finance Code and as well as Section 1692k in Title 15 of the U.S. Code.

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 2025-03-14 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.

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
Experian trans union and equafx all allowed a company called XXXX XXXX report on my credit report without any proof of contract of me doing business with them. They illegally obtained my information without my consent i demand they stop reporting on my credit. They are damaging me and my children lives by reporting fraudulent information. The account on file is XXXX XXXX XXXX. I do not and never had a account with them please remove it please.

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