vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Experian for failing to complete an investigation into my dispute within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

Over 30 days ago I submitted a dispute regarding XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account NumbeXXXX XXXX XXXX, I am requesting verification or deletion of incorrect information from my credit report. Under FCRA guidelines, the credit bureaus are legally required to complete their investigation within 30 days ( or 45 days if additional information was provided ). 

As of XX/XX/year>, more than 30 days have passed, and I have not received any response, resolution, or notification regarding the outcome of my dispute. This failure to act is a direct violation of FCRA 611 and has caused harm by prolonging the reporting of inaccurate information on my credit file.

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 2025-03-20 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information appearing on my TRANSUNION credit report under XXXX XXXXC. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that this fraudulent account be blocked and permanently removed from my credit file. 
The following account has been fraudulently reported and must be DELETED IMMEDIATELY : XXXX XXXX XXXX Account Number : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request. 

I have made multiple attempts to resolve this issue directly with TRANSUNION, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for this account, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of this fraudulent account, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of this account. 
I expect written confirmation of the removal of this fraudulent account from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. 
Thank you for your prompt attention to this urgent 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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In response to a violation of my rights under the Family Education Rights and Privacy Act ( FERPA ), I am filing a formal complaint. Without my prior written consent, my personally identifiable student loan records were improperly disclosed. Below are the details. 
Disclosed information : student loan balance, Social Security number, banking details, and other personal identifiable information.

Part of my student records : yes, maintained by Nelnet and the US Department of Education.

Responsible official : the US Department of Education allowed authorized access to XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Recipients : employees of XXXX who were not authorized to provide student loan services, elected officials, or approved third-party vendors, and for whom I did not give consent. 
Circumstances : XXXX XXXX Federal student loan data without consent under the guise of a " government efficiency review. '' When I came aware : I learned of the breach on XX/XX/year> through news reports and legal actions, including XXXX vs the U.S. Department of Education. 
ATTEMPT TO ADDRESS : No Direct Communication from my loan servicer, or the US Department of Education. Regarding the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a XXXX form from Block , Inc stating XXXX had completed XXXX transactions in only XXXX for {$9800.00}. I dont use any of Block, Incs services. Why am I receiving a tax form with inaccurate information. I reached out to the link provided on the form which led me to the Cash App app. I am unable to receive a straightforward response with no help in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Remove these disputed inquiries from my credit report, as they were not authorized by me. I have not applied for credit with any company and do not recognize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank closed my account after I was a victim of fraud. Then they refused to release my paycheck. Even thought I asked if I could have the check writer call them. I was told it will take 2 years and the money goes to the state of Arizona. Where after 2 years I can petition the state for my money. Chase fraud prevention sided with the scammers and kept a weeks pay. Where I took care of an elderly lady for 2 years and was paid weekly. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Arizona XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-20 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One charged late fees for a payment that was made on due date. Capital One refused to remove this late fee even though payment was made on time. Capital One can't explain reasons for such high interest rates on existing balances and continue to lower interest rates. I have tried to come to some form of agreement with Capital One without any success. I asked about a temporary interest rate decrease for 6 months and Capital One denied that request. I asked about some form of hardship program, again denied. I asked about a workout program. I was offered a workout plan with a lower interest rate, but I would need to close my account, and it would be reported to credit bureaus as delinquent to enter that workout program. I feel like Capital One is purposely discriminating against me with such high interest rates of 31.24 %, I was approved for a new card with 29 % interest rates. That just doesn't make sense and therefore Capital One can't say they are not purposely discriminating against me for whatever reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX has failed to fulfill it's 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 XXXX, 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 XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 2025-03-20 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: NC

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 


Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, NC, XXXX I urge you to prioritize this issue and fulfill your obligations under the law. Please confirm receipt of this letter and provide an update on the status of my dispute 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 non-monetary relief
Consumer complaint received 2025-03-20 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-20 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
Trans union credit bureau are violating my privacy rights and my rights to fair credit reporting! I was affected by the XXXX data breach and I have notified Transunion of this. I requested XXXX XXXX XXXX  XXXX and XXXX XXXX BE BLOCKED FROM TRANSUNION XXXX FILE BECAUSE THIS ITEM IS NOT MINE AND IS ID THEFT! TRANSUNION has not blocked the item and it has been more than XXXX business days with acceptance of FTC REPORT! THIS IS ID THEFT AND TRANSUNION IS TREATING AS A 30 day DISPUTE

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 2025-03-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Requested multiple times that the company cease and desist all communications other than mail and Wells Fargo Home Mortgage still continues to call and harass me. 
I have told them to stop calling many time verbally and in writing. 
My health is not well and my doctors told me I require assistance Wells Fargo Home Mortgage continues to not comply with the lawful notices Ive sent them Ive verbally confirmed with Wells Fargo Home Mortgage on a RECORDED LINE that I have authorized my XXXX XXXX to handle this account. He is currently in charge of all of my finances and accounts and has my authorization as well as in writing and confirmation by a 3rd party witness, an employee named XXXX who called from Wells Fargo Home Mortgage the conversation was recorded on both ends mine and Wells Fargo Home Mortgage where I explicitly authorized my son XXXX XXXX of Attorney concerning this account and matter. The representative insisted that it needed to be in the form of paperwork but I know that is not true. My son is of age and of a sound mind and has the capacity to contract. This is Elderly Abuse and Harassment my son will be filing lawsuits I just am not sure when but he is now handling all of my affairs. I want this to be made clear and in writing so there can be no confusion of what I, XXXX XXXX have said and want put on the record.

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 2025-03-20 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: FL

Complaint narrative:
XXXX has failed to fulfill it's 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 XXXX, 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 XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation