vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: AL

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 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-02-11 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-02-11 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: IL

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 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 2025-02-11 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: IL

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 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 2025-02-11 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: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-02-11 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: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I accidentally made two payments to my credit card and over paid by XXXX. I the company the refund me my money back and they said it would take two business days this was on XXXX. Today I called and spoke to a supervisor and they said it is in review and will now take 30 days. I am not disputing a payment but asking for a refund of my money. The law clearly states a company has 7 days to provide my refund https : //www.consumerfinance.gov/rules-policy/regulations/1026/21/

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 monetary relief
Consumer complaint received 2025-02-11 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: PA

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 explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. Below are a list of account that are inaccurate Accounts : XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint - Potential Data Breach - XXXX XXXX XXXX Nelnet - CFPB XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding a potential data breach at Nelnet, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Nebraska XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX, Ny, XXXX my phone number XXXX. My account number with Nelnet is number is XXXX. 

I am concerned that my personal financial information held by Nelnet may have been compromised due to a data breach. I am concerned because of the recent public announcement of DOGE mblembers seizing the Department Of Education, specifically XXXX XXXX and XXXX XXXX. 

A data breach involving my personal financial information is a serious matter and could expose me to identity theft, financial fraud, and other harms. This information is highly sensitive and must be protected. Nelnet falls under the jurisdiction of the CFPB because They are a financial institution. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensures Nelnet 's compliance with relevant consumer financial laws and regulations regarding data security. Specifically, I request that the CFPB : * Confirm whether a breach occurred. 
* Identify the extent of the breach and what specific data was compromised. 
* Ensure that Nelnet takes appropriate steps to rectify the situation and prevent future breaches. 
* Inform me of the specific actions I should take to protect myself from potential harm. 
* Provide information about any credit monitoring or identity theft protection services that will be offered. 
I expect a written response within 30 days outlining the steps the CFPB will take to address this complaint. I can be reached at XXXX or XXXX if you require further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-02-11 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: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I did not receive the letter of deletion. 

There are XXXX XXXX day late payments showing o. My credit report. 

I have been materially harmed by the XXXX and half years of false negative reporting by XXXX for timely payments made by my bank well in advance of the due date and not posted until days after the late fee was due, despite their notes funds leaving my account days or weeks prior. 

XXXX has intentionally harmed my credit and has failed to remove the false thirty day late payments, despite telling the CFPB that they have and yesterday during a conference call with my lender and XXXX verification dept the representative was unable to properly verify my account and initially claimed there were several late payments despite there never being a 30 day late on my account. 

As a result of these payments, my credit has dropped from over XXXX in 2022 to now around XXXX and I have been paying large amounts in additional interest because my credit score was artificially lowered by XXXX  and continues to be harmed by their false reporting, despite misleading me and the CFPB into believe the error was corrected. 

I have been damaged to the tune of XXXX  of dollars in additional mortgage interest and credit card interest as a result of XXXX  bad faith reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XX/XX/year> {$440.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Summary of Complaint : XXXX XXXX XXXX has violated federal and state consumer protection laws by reporting a debt to collections without proper notification or validation, despite multiple requests. 

Key Issues : Failure to provide attorney information or proof of debt On XX/XX/year>, I requested debt validation and the attorney 's contact information from XXXX. 
They refused to provide any proof or attorney details. 
XXXX XXXX XXXX later attempted to collect but also failed to provide this information. 
Failure to send proper written notification before reporting to collections I explicitly requested all communications in writing via physical mail, not email or phone. 
XXXX XXXX XXXX only emailed me on XX/XX/XXXX, XXXX was not valid notice. 
Meanwhile, they opened the collection account on XX/XX/year>, before properly notifying me. 
Failure to properly validate debt before reporting it I requested full debt validation, including : A breakdown of all charges Proof the unit was vacant after I left Proof of legal assignment of the debt to XXXX XXXX has failed to provide this documentation. 
Equifax 's investigation failed to fix this error I disputed the inaccurate reporting. 
Equifax closed the dispute and updated some dates but did not correct the core issue of improper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I called XXXX to find out if I owed money because when I try to use their service, transactions would not go through. I spoke to XXXX rep XXXX. She said I have money in collections. I asked to be transferred to the collections department and she refused. I asked for the phone number to call and she said they dont have a number. Ive been asked for the corporate headquarter address And she refused to give that information as well. I have never received any correspondence from them regarding the outstanding collections. They have my email where information could have been sent! I also called so that I can pay which I told XXXX. Since they are refusing my money, they need to take it out of collections and show as satisfied. If they want the money, Im prepared to pay, but not any additional fees since I was never made aware. 

Also, XXXX demeanor, and especially her attitude was less than acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-02-11 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-02-11 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: IL

Complaint narrative:
I contacted transunion almost 3 times to remove a paid debt from my credit report and they have yet to help or remove the debt. It does not allow you to submit more than one dispute so I contacted by phone and also submitted a report but yet they have still refused to correct it. The XXXX XXXX debt for {$420.00} was settled and paid off and the payment was a pay to delete which means once it is paid it is to be deleted from the credit report and my report has still not updated. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit bureaus are required to report only accurate and verifiable information. Since the XXXX XXXX debt was settled under a pay-to-delete agreement, it should no longer appear on my credit report. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion is legally required to investigate and correct or remove inaccurate or unverified information within 30 days of a dispute. Failure to do so is a violation of federal law. Under 15 U.S.C. 1681s-2 ( b ), data furnishers must also update or delete incorrect information once a debt is settled, and failure to comply can result in legal consequences. I have contacted TransUnion multiple times, yet my report remains incorrect, violating my rights under the FCRA.

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