vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: VA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX and Juno for Unresolved Funds To the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against XXXX XXXX XXXX XXXX ( FDIC # XXXX ) and Juno ( XXXX partner ) for failing to return {$6700.00} in funds held in my account. 

Background : I held funds in a Juno account, which partnered with XXXX XXXX and XXXX XXXX. 
During a transition in XX/XX/XXXX, Juno moved funds to XXXX XXXX, which distributed them to unknown banks. 
XXXX confirmed my total XXXX XXXX Balance isXXXXbutclaimsXXXXbutclaimsXXXX is held at their institution ( see attached denial letter ). 
Neither XXXX nor Juno has provided clarity on which bank holds my funds or how to recover them. 
Violations : Failure to safeguard consumer funds underRegulation E.

Lack of transparency regarding fund location.

Unfair denial of a valid claim.

Requested Resolution : Immediate disclosure of which bank ( s ) hold my {$6700.00}.

Coordination with XXXX  bankruptcy trustee to release funds. 
Penalties for XXXX/Juno if negligence is found. 
Attached : XXXX  denial letter ( XX/XX/XXXX ). 
Transaction history showing {$6700.00} balance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
This debt collector has not furnished the appropriate documents stating that the debt collector is owed said debt. I have requested a Master Purchase Agreement/Forward Flow Agreement from this debt collector showing proof that they have the legal right to go after this said debt. I have also asked for a record of all communication made for or about this debt and have not received anything. This debt collector should scrub any report containing this debt from all reporting agencies until the debt collector can properly prove they own this said debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
These accounts have violated my privacy rights by furnishing my personal, private, sensitive information without my written permission and after I've opted out of each of their privacy requests from their websites reporting, sharing, selling, and communicating. I'm enforcing the Privacy Act of 1974 which the FCC ensures that the procedures it implements comply with the Privacy Act, 5 U.S.C. 552a. 

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  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 items of information : other than records of convictions and crimes which antedates the report by 7 years, which I do not have.

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 there 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 U.S.C. 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, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681b states in depth that proof of permissible purpose of derogatory accounts named above must provide that I have given them written permission to report, share, sell, and communicate with third parties including the credit bureaus. Use of permissible purpose to delete negative accounts. Remove these accounts from my credit files within 4 business days because I did not consent to my written signature, the permissible purpose that you are unable to supply the documentation that supports me and the CFPB agency. Therefore the accounts must be deleted because they're illegally reporting on my credit files.

15 U.S.C. 287 states that anyone who knowingly presents false, fictitious, fraudulent claims that common defenses include lack of knowledge, mistakes of facts, duress, entrapment, or government misconduct to the United States can be imprisoned for up to five years in prison and a hefty fine. This la
w applies to individuals, organizations, corporations, creditors, contractors, and credit bureaus.

Under Section 605b the accounts and inquires should be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
Experian did not properly investigate my account after disputing it twice due to inaccurate information. The collection company did not have license to operate in the state and the account is labeled as open when it should not be

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 2025-02-09 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Data breach information was shared I got Code verification is being sent to my cell phone number regarding my information Coming from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization, violating FERPA and your responsibility to protect my records. Given the severity of this breach, I request the immediate cancellation and discharge of my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Each credit bureau Transunion, XXXX and XXXX all have incorrect, illegal and fraudulent information on my credit report according to 15 U.S. Code 1681 e ( b ). Inaccurate info. Closed accounts. Old debt. Charge offs. Late Payments. XXXX, Transunion and XXXX are in violation of my consumer rights including identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Each credit bureau Transunion, XXXX and XXXX all have incorrect, illegal and fraudulent information on my credit report according to 15 U.S. Code 1681 e ( b ). Inaccurate info. Closed accounts. Old debt. Charge offs. Late Payments. XXXX, Transunion and XXXX are in violation of my consumer rights including identity theft.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
I am filing this complaint against Checkr , Inc. for reporting inaccurate and outdated information in my background check, which has negatively impacted my ability to work for companies such as XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. 

Upon reviewing my background check report, I discovered that Checkr included false information, which does not reflect my actual record. The errors include : I filed a formal dispute with Checkr, requesting that they correct these errors and provide updated reports to the companies relying on them. However, they failed to correct the inaccuracies or adequately investigate the issue within the required timeframe.

I am requesting that the CFPB take immediate action to : 1. Require Checkr to re-investigate and correct the inaccurate information.

2. Ensure Checkr notifies all companies that received the incorrect report ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. ) with the updated information.

3. Mandate the permanent removal of outdated or incorrect data from my report.

4. Hold Checkr accountable for non-compliance with FCRA regulations.

Checkrs failure to maintain accurate records has prevented me from earning a living. I request the CFPB to intervene and enforce my rights under the law. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 Digits ) : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear [ Experian ], I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX XXXX ) : [ XXXX XXXX XXXX ] Discrepancy/Issue : [ Describe the issue with the information that doesnt belong to you. Please verify validity of this account if not please delete.

Account Number ( if applicable ) : [ XXXX ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA.

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
Equifax continues to erroneously and negligently report misinformation in my consumer credit report with regard to a XXXX XXXX account. Upon checking the payment history, it reflects XXXX and XXXX of XXXX as ( unknown ) status, XX/XX/XXXX as late status, XXXX and XXXX of XXXX reporting as on time, XX/XX/XXXX ( unknown ) and from XXXX ( XXXX ) until XXXX ( XXXX ) reporting as LATE on an account they are reporting as charged off. The XXXX can not coexist. This account is also reporting a balance of {$9900.00} when then debt was written off as per the 1099c uploaded. This is a violation of FCRA section 15 USC 1666B ( Late Payments ) as well as FCRA section 15 USC 1681i treatment if verifiable information. This erroneous item negatively and erroneously reporting is negligent on Equifax part due the their duty to treatmen of unverifiable information or lack thereof. Due to multiple FCRA violation, I request the immediate deletion of this account from my Equifax consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I am filing a complaint regarding an inaccurate negative reporting on my credit report by XXXX. From XX/XX/XXXX to XX/XX/XXXX, my loan account was in an approved forbearance plan, during which no payments were due. Despite this, XXXX has incorrectly reported my account as 90 days late during this period. 

After my forbearance plan ended, I was placed on a repayment plan, which I have been diligently following per the agreed-upon terms. However, this inaccurate negative reporting is impacting my credit standing, and I am seeking assistance in having it removed. XXXX said there would be no negative impact to my credit. 

I kindly request an investigation into this matter and for XXXX to correct this error with the credit bureaus. I appreciate your time and help in resolving this issue.

Loan Information : 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 2025-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: AR

Complaint narrative:
I have received a notification that my credit score had dropped XXXX points. I submitted a report that I did not know anything about this student loan nor never cosigned for anyone a student loan, but it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, My Credit report alert stated a XXXX  XXXX account was open in my behalf. I did not authorize this account. I only choose to do pre-approval, and it was not the card I wanted on pre-approval, so I did not accept the offer to continue. But a account was open on pre-approval, and I did not give permission to accept any offers from 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, My Credit report alert stated a XXXX  XXXX account was open in my behalf. I did not authorize this account. I only choose to do pre-approval, and it was not the card I wanted on pre-approval, so I did not accept the offer to continue. But a account was open on pre-approval, and I did not give permission to accept any offers from XXXX XXXX.

Company response to consumer: Closed with explanation