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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I'm 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 and request a thorough investigation into these inaccuracies, as required by federal law.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices 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 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: LEXISNEXIS
State: FL

Complaint narrative:
I need to update my current phone number in the Report in order to able to verify a check that I deposited in a XXXX  Account and they only can verified my old phone number that I dont have access any more. 

My current phone number is XXXX My old phone number is XXXX ( I dont have acces anymore ).

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: Experian Information Solutions Inc.
State: TX

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

UNAUTHORIZED INQUIRIES : XXXX BANK XXXX XX/XX/year>

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I made the payment for the loan using my checking account on XX/XX/XXXX. The full amount of the loan payment ( {$220.00} ) was taken out of my checking account on XX/XX/XXXX. Mariner Finance XXXX asked that I bring in something from my bank showing the funds cleared and we not returned to my account. Attached is what I took them in XXXX of XXXX. The XXXX of the XXXX, GA location and XXXX would not accept that as proof of it the payment being made from my account/not returned. I had to make an additional payment in XX/XX/XXXX to satisfy the loan payments and keep the account from showing a " missed payment '' in XX/XX/XXXX, according to the location XXXX

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices 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 2025-03-14 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:
In accordance to XXXX breach of information is a violation of my rights. I fear unauthorized access to my personal information has compromised the integrity of any agreements.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance to XXXX breach of information is a violation of my rights. I fear unauthorized access to my personal information has compromised the integrity of any agreements.

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:
In accordance to FERPA breach of information is a violation of my rights. I fear unauthorized access to my personal information has compromised the integrity of any agreements.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the unauthorized access to my personal student loan data by XXXX XXXX and his Department of Government Efficiency ( DOGE ). I believe this access violates my privacy rights and the terms of my loan agreement. 

Recent reports indicate that DOGE has been granted access to sensitive student loan information housed within the Department of Education. This access has raised significant concerns among borrowers and lawmakers about potential violations of federal privacy laws, such as the Family Educational Rights and Privacy Act ( FERPA ).

Despite these concerns, a federal court recently declined to issue an order preventing DOGE from accessing this data, allowing the department to continue its review of student loan records. 
XXXX I did not provide consent for DOGE to access my personal information, and I believe this unauthorized access constitutes a breach of my privacy rights. Given the potential misuse of my data, I am requesting that the CFPB investigate this matter thoroughly. Furthermore, I insist and demand that, as a result of this breach, my student loans be forgiven to rectify the violation of my rights. 

I appreciate your prompt attention to this serious matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: 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 2025-03-14 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: GA

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 2025-03-14 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.
State: CA

Complaint narrative:
I lost my purse while traveling, and although it was found hours later by airline staff, my personal information had already been compromised. Weeks later, I started noticing unusual activity on my credit report, which suggest that my information was used without my authorization. I did not give anyone permission to access or use my credit, and I am requesting a full investigation into any fraudulent accounts increase or changes made please provide an any relevant documentation regarding these activities and take the necessary steps to prevent further misuse of my identity. I listed a few account below Bankruptcy and XXXX XXXX

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$510.00} XXXX  XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$400.00} Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
previously filed disputes with [ Experian, Equifax, TransUnion ] regarding inaccurate or unverifiable accounts on my credit report. Despite my disputes, the credit bureaus did not provide any documentation proving these accounts are valid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if an account can not be verified with actual proof, it must be deleted from my report. I am requesting that the CFPB step in and require the credit bureaus to either provide me with verification or remove the disputed items immediately. These inaccuracies are negatively affecting my financial opportunities, and I am seeking a resolution as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
previously filed disputes with [ Experian, Equifax, TransUnion ] regarding inaccurate or unverifiable accounts on my credit report. Despite my disputes, the credit bureaus did not provide any documentation proving these accounts are valid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if an account can not be verified with actual proof, it must be deleted from my report. I am requesting that the CFPB step in and require the credit bureaus to either provide me with verification or remove the disputed items immediately. These inaccuracies are negatively affecting my financial opportunities, and I am seeking a resolution as soon as possible.

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.
State: FL

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm writing to file a complaint against Chase Bank for holding my business account funds without justification. My business, XXXX XXXX XXXX, has had its account frozen since XX/XX/year>. 
Here 's a breakdown of what's happened : * Chase Bank froze my account due to a check deposit. 
* I've provided all requested documentation to verify my identity and the legitimacy of the check. 
* Despite this, the bank has delayed returning my funds for months. 
* I've been forced to spend additional money, time, and resources to resolve this issue. 
I want my funds released and this matter resolved. I believe Chase Bank 's actions are unfair and unreasonable. 
Sincerely, XXXX XXXX XXXX

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: NH

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft there is addresses names and employers that i am not aware of on my credit report. Please remove and delete. 
Thank 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
With more discovery of events that happened on XX/XX/XXXX a XXXX pm est ; Im requesting that XXXX XXXX XXXX reopen this case. After I contacted XXXX XXXX about this transaction and the amount, I was notified via email of the purchased being made by tokens purchased via XXXX or XXXX for XXXX XXXX since they could not trace the transaction via card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, they know my purchase habits considering I havent used XXXX XXXX since XX/XX/XXXX, and I was a driver for XXXX XXXX for almost XXXX years. Once I was alerted of a XXXX  transaction of {$190.00} from mywisley notifications on XX/XX/XXXX via text messaging from the number XXXX which I sent a text back saying no. A light bulb cut on in my brain about this text alert ; giving the bright idea to give XXXX a phone call about the transaction myself, considering XXXX XXXX XXXX failed to do so. Although the transaction was found via XXXX, I was notified the only person that can look into the details of this transaction is the Support Billing Manager. While speaking to XXXX ; the Billing XXXX for XXXX he found the transaction from my card number XXXX XXXX XXXX XXXX XXXX XXXX and confirmed it was fraudulent and he XXXX the XXXX account. XXXX mentioned to me ; he couldnt give me any further details concerning this criminal act on behalf of privacy. Last ; the Billing XXXX ( XXXX ) gave me the XXXX case number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that will provide further details showing the {$190.00} was a fraudulent transaction. XXXX the XXXX Support Billing XXXX instructed me to request a reopening of this case and I deserve to have my hard earned {$190.00} cents returned to my XXXX pay account, and to contact XXXX XXXX XXXX about the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have pictures attached to this letter that proves me contacting XXXX XXXX and XXXX XXXX ; thus adding more evidence of your system letting a perpetrator take funds out of my account.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



Delete accounts 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 2025-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint mortgage send counterfeit checks after I ask for the remaining money on my home equity loan, tried to cash the check at my financial institution and they were the ones that told me about it. Shellpoint says that the checks are missing some information, but they are good, they are just different. The checks are missing the line to put the date, the line to write the amount.

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 am a victim of identity theft from the equifax data breach, someone has been using my personal information to obtain goods.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a phone call from someone claiming to be my bank stating that there was fraudulent activity on my account. They had information on my account that led me to believe that it was in fact my bank calling. They stated that there was a wire transfer made on my account that we needed to reverse. They transferred me to wire transfer fraud department to reverse the charge. Upon hanging up with these people, I called my bank back because I had another question and found out that it was not my bank calling me and that the wire transfer had been created not reversed. The bank requested a recall of the funds, but the funds were gone. I have no recourse or any way to get my money back.

Company response to consumer: Closed with explanation