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: CA

Complaint narrative:
I want reported accounts removed. 
XXXX XXXX XXXX XXXX XXXX XXXX and any accounts Ive previously disputed thats hurt my credit score. 

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. 1681i, 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.

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: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a potential violation of my privacy rights concerning my student loan information. Recently, I became aware of reports that XXXX XXXX may have accessed or obtained private data from the Department of Education. I am concerned that my personal loan information was accessed or misused without my consent. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my personal data, including my student loan records, was improperly shared or accessed. If this is the case, I seek immediate corrective action, transparency regarding how this happened, and assurance that my data is secure. 

Please provide information on whether the Department of Education, its loan servicers, or any associated entities have allowed third parties unauthorized access to borrower data.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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, CHALLENGED OR NOT.

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: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: KS

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access of my student loan information by XXXX XXXX or an entity under his control. I was not made aware that my personal student loan data was accessed, nor was I ever asked for my consent for this action. The fact that my private financial information, including sensitive student loan details, was accessed without my knowledge or consent is a violation of my privacy rights. It raises serious concerns about the misuse of personal data and the lack of proper safeguards in place to protect consumers like me. The unauthorized access to this information directly violates my rights to privacy and control over my personal financial data. I request that the CFPB investigate this matter promptly to ensure that my rights are upheld and that any unlawful activities are addressed.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$610.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX 'S XXXX XXXX Balance {$240.00} XXXXXXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$610.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX 'S XXXX XXXX Balance {$240.00} XXXXXXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at credit report after some time and notice a number of different inaccuracies and vivid violations. Those inaccuracies and vivid violations consist of the following. 

Experian { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX } XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX Acct XXXX XXXX XXXX { XXXX  XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct XXXX XXXX } { XXXX  XXXX Acct # 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at credit report after some time and notice a number of different inaccuracies and vivid violations. Those inaccuracies and vivid violations consist of the following. 

Experian { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX } XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX Acct XXXX XXXX XXXX { XXXX  XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct XXXX XXXX } { XXXX  XXXX Acct # 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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: 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: IN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX I requested a balance transfer to a XXXX XXXX XXXXXXXX credit card from a Discover credit card, apparently discover sent the payment to wrong credit card number, I called to dispute that the transfer didn't go through, and they keep sending me between departments without resolution.

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: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 Fund Transfer Act ( EFTA ) and Regulations 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 2025-03-14 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: NY

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed multiple inaccurate negative accounts with the credit bureaus, but they failed to correct or remove the erroneous information despite my disputes and supporting documentation. The bureaus either improperly verified the accounts or did not conduct a proper investigation within the required timeframe. These inaccuracies continue to harm my credit, and I am seeking CFPBs assistance in ensuring a fair and thorough resolution.

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: MN

Complaint narrative:
My private information has not been secured and has been accessed by XXXX XXXX and the DOGE agency. 

The XXXX XXXX has argued that DOGE is not an official government agency or instrument for purposes of the Privacy Act or the Administrative Procedure Act, but is an agency under the law that permits interagency detail agreements known as the Economy Act of 1932.

I did not agree to or permit parties related to this agency to have access to my personal/ private information through the Department of Education or any other agency or company. My information has been comprised and I am requesting the verification of these student loans related to any and all federal loans for my account/ name/social security number.

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: EQUIFAX, INC.
State: MN

Complaint narrative:
My private information has not been secured and has been accessed by XXXX XXXX and the DOGE agency. 

The XXXX XXXX has argued that DOGE is not an official government agency or instrument for purposes of the Privacy Act or the Administrative Procedure Act, but is an agency under the law that permits interagency detail agreements known as the Economy Act of 1932.

I did not agree to or permit parties related to this agency to have access to my personal/ private information through the Department of Ed
ucation or any other agency or company. My information has been comprised and I am requesting the verification of these student loans related to any and all federal loans for my account/ name/social security number.

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: MN

Complaint narrative:
My private information has not been secured and has been accessed by XXXX XXXX and the DOGE agency. 

The XXXX XXXX has argued that DOGE is not an official government agency or instrument for purposes of the Privacy Act or the Administrative Procedure Act, but is an agency under the law that permits interagency detail agreements known as the Economy Act of 1932. 

I did not agree to or permit parties related to this agency to have access to my personal/ private information through the Department of Education or any other agency or company. My information has been comprised and I am requesting the verification of these student loans related to any and all federal loans for my account/ name/social security number.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am sending to formally dispute certain inaccuracies that I have identified upon reviewing my credit file. 

XXXX XXXX XXXX  XXXX Balance : {$16000.00}

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCS, Inc
State: ND

Complaint narrative:
In XX/XX/year> I lost my wallet when I was traveling outside of state few weeks later multiple accounts was open into my name that included XXXXXXXX XXXX XXXX XXXX XXXX  card multiple online banking. 
I have submitted multiple requests of proof verification to those collections company. 

I have reported this fraud to the XXXX under federal law 18 U.S.C. 1028 So therefore Im asking those collectors to provide proof of signatures and identification such as driver license

Company public response: Company disputes the facts presented in the complaint
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 status incorrect
Company: Experian Information Solutions 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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