vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Balance : {$1000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash app ( Block inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-15 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-15 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-15 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MOHELA
State: AZ

Complaint narrative:
I am writing to formally file a complaint regarding the unauthorized access and potential breach of my sensitive private data due to actions taken by XXXX XXXX and other unauthorized individuals. It has come to my attention that XXXX XXXX, along with unidentified parties, gained access to the Department of Education by unlawfully locking doors and shutting down operations. This egregious act has resulted in a direct violation of the Family Educational Rights and Privacy Act ( XXXX ), the Privacy Act of 1974, and Higher Education Laws and Policies meant to protect student and personal information. 

As you are aware, FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) ensures that students educational records remain confidential and prohibits disclosure of personally identifiable information ( PII ) without proper authorization. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) provides safeguards against unauthorized access to personal records held by federal agencies. The unauthorized access to the Department of Education and the potential exposure of my private educational and financial records to unauthorized individuals directly contradicts these legal protections. 

I demand an immediate investigation into : XXXX XXXX XXXX and any other unauthorized individuals gained access to my sensitive private data. 

The extent of the data breach, including which specific records were accessed or compromised. 

The Department XXXXf Educations failure to prevent unauthorized access to student records. 

The corrective measures that will be implemented to ensure compliance with federal privacy laws. 

Due to the severity of this data breach and the violations of my privacy rights, I formally request the immediate cancellation and discharge of all my student loan debt. The unlawful exposure of my private financial and educational records has placed me at significant risk, and I should not be held responsible for student loans under these circumstances. 

Given the gravity of this situation, I expect a prompt and thorough investigation, as well as written confirmation of the findings and any remedial actions taken. If necessary, I am prepared to escalate this matter to the appropriate oversight bodies, including legal action if my privacy rights have been violated. 

Please acknowledge receipt of this complaint and provide me with an update on the next steps regarding this matter. I look forward to your swift response and resolution of this serious issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: KY

Complaint narrative:
Subject : FORMAL COMPLAINT FAILURE TO REMOVE FRAUDULENT ACCOUNT RESULTING FROM IDENTITY THEFT XXXX Account # : XXXX To Whom It May Concern, I am submitting this formal complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by a credit reporting agency and/or data furnisher related to the continued reporting of a fraudulent account that resulted from identity theft. Details of the fraudulent account : Creditor Name : XXXX Account Number : XXXX This account was not opened by me and is the result of identity theft. I have submitted a valid FTC Identity Theft Report ( Report Number : XXXX ), along with supporting documentation, to the credit reporting agency, as required by law. However, the account has not been removed or blocked from my credit report, despite my full legal compliance as a victim of identity theft. This inaction constitutes violations of the following federal laws : Violated Provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681c-2 ( a ) : Credit bureaus are required to block identity theft-related information within four ( 4 ) business days of receiving a valid identity theft report. 2. 15 U.S.C. 1681i ( a ) : Requires a timely and reasonable reinvestigation of disputed information within XXXX days. 3. 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies maintain only information that is verified as accurate. 4. 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they knowor should knowis inaccurate or fraudulent. 5. 15 U.S.C. 1681n & 1681o : Provide for civil liability, including actual and punitive damages, for willful or negligent noncompliance. Despite complying with all requirements as a consumer, this fraudulent account remains on my credit report, negatively impacting my creditworthiness and causing financial harm. Requested Resolution : Immediate and permanent removal of the fraudulent XXXX account ( # XXXX ) from my credit report. Enforcement action by the CFPB to ensure compliance with federal law by the credit reporting agency and/or furnisher. Investigation into any reinsertion or failure to block the account after valid identity theft documentation was submitted. Attachments : FTC Identity Theft Report ( Report Number : XXXX ) Government-issued photo ID Proof of current mailing address I respectfully urge the CFPB to act swiftly to protect my rights as a consumer and hold these entities accountable for their noncompliance with federal 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 explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX ; XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: One Source Technology
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, Second Dispute Request for Verification of Inaccurate Rental Screening and Eviction Information I am writing to follow up on a previous dispute I submitted regarding inaccurate rental screening and/or eviction data listed on my TransUnion report. While you stated that a reinvestigation was conducted, the information remains inaccurate and unverifiable, and no supporting documentation was provided to validate the findings. 

The property management company allegedly reporting this eviction can not be found in any official databases. I have made reasonable efforts to verify this business and any related court filings, and I have found no evidence of their existence through the Better Business Bureau, state business/entity registries, or any local/state court eviction databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-15 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:
Nelnet received my negotiable Bill of Exchange ( BOE ) on XX/XX/year>, clearly issued with the intent to lawfully settle and close my federal student loan account. This instrument, presented in good faith, constituted a remittance to satisfy the outstanding obligation under contract and commercial law principles. Despite confirmation of receipt, Nelnet has willfully refused to settle the account and continues to report it as delinquent, leading to a significant drop in my credit score of over XXXX points. This is not merely a servicing error it is a knowing, reckless, and fraudulent act. 

Nelnets continued reporting and collection activity directly violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), as well as the Department of Educations own borrower servicing guidelines. Their refusal to correct the record despite evidence of settlement constitutes willful misrepresentation of the accounts status. 

Moreover, this conduct amounts to fraudulent accounting under multiple sections of the ASC ( Accounting Standards Codification ), specifically : ASC 450 ( Contingencies ) : Nelnet has failed to disclose or account for contingent liabilities created by federal guarantees or potential reimbursements tied to the loan. 

ASC 860 ( Transfers and Servicing ) : If the loan was sold or securitized, it should have been derecognized from Nelnets books ; continued collection represents a second monetization of an already-settled asset. 

ASC 942 ( Financial Services - Depository and Lending ) : Nelnet has not provided full servicing disclosures, nor acknowledged its role in collecting on an account it may no longer own, which is materially misleading to both the borrower and the federal government. 

These failures, combined with inaccurate credit reporting and the ongoing damage to my financial standing, are causing irreparable harm and deserve immediate federal intervention. I am requesting that the CFPB investigate this matter thoroughly and coordinate, if necessary, with the U.S. Department of Education, the Office of Inspector General, and the SEC to enforce compliance with accounting regulations, consumer protection laws, and to compel Nelnet to reflect the account as settled, paid in full, and never late. Their refusal to update their books and cease harmful reporting practices constitutes accounting fraud and administrative negligence at the highest level.

Company response to consumer: Closed with explanation