vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ECMC GROUP, INC.
State: NV

Complaint narrative:
Here is your letter with todays date : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Request for Account Information and Refund Details Dear XXXX XXXX XXXX XXXX XXXX, I recently received a notice confirming the discharge of my federal student loans under Borrower Defense, specifically related to my attendance at XXXX XXXX XXXX XXXX. The notice states that my remaining loan balance will be discharged, and I will be refunded for any payments I previously made to the Department of Education for these loans.

I am requesting a detailed breakdown of my account, including : 1. The total amount of payments I have made toward these loans.

2. The timeline and process for receiving my refund.

3. Any additional steps I need to take to ensure my refund is processed correctly.

4. Confirmation that my discharged loans will be removed from my credit report.

I would appreciate a prompt response outlining these details. Please let me know if any further information is needed from my end. You may contact me via phone or email at your earliest convenience. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-09 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: NY

Complaint narrative:
I checked my credit report and realized there is fraudulent activity on my report and it is hindering me from being approved for any credit

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 2025-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I've escalated this matter several times. My last complaint with CFPB, and the last " outcome '' with Mr. Cooper ( escalations dept. ) states I did not pay my mortgage for XXXX. I have provided Mr. Cooper with trace numbers dating back to XX/XX/year>. There were XXXX payments in XXXX the first payment was debited at the beginning of XXXX. This was for XXXX 's payment, the second payment at the end of XXXX this was for XXXX payment. Again, I have escalated several times, and provided evidence of all payments from my bank. Mr. Cooper 's response is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: EdFinancial Services
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 Government Efficiency ( 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 ). 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX Inquiry date : XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX  XXXX  Inquiry date : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX bankruptcy XXXX XXXX, XXXX, XXXX, XXXX  XXXX Open date : XX/XX/XXXX, XXXX  XXXX  Open date : 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 2025-03-09 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: FL

Complaint narrative:
I am disputing multiple fraudulent accounts that have appeared on my credit report due to identity theft. These accounts were opened without my authorization, and I have already submitted a formal dispute to Experian along with an FTC Identity Theft Report ( No. XXXX ) as supporting documentation. 

Despite my dispute submission, the fraudulent accounts remain on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and remove inaccurate or unverifiable accounts.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian regarding the inaccurate and improper reporting of a charged-off account on my credit report. The account in question is with XXXX XXXX ( Account Number : XXXX ), which has been reported as charged off with a past due balance of {$200.00}. I am requesting the immediate removal of this account from my credit report due to the following violations and reporting discrepancies : Failure to Provide Required Notice Under the Fair Credit Reporting Act ( FCRA ) I never received the required written notice from XXXX before or after XXXX reported the initial XXXX late payment in XX/XX/2022, as mandated under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the FCRA. A furnisher of information is required to provide notice to a consumer before reporting negative information to a credit reporting agency. Since I did not receive this notice, the negative reporting is unlawful and should be removed immediately. 
Incomplete and Inaccurate Reporting The reporting on this account is inconsistent, and Experian has failed to provide verifiable proof of the accuracy of the reported information. 
Incorrect Charge-Off Status The balance history shows conflicting information regarding payments, balances, and charge-off periods, suggesting errors in reporting. 
Failure to Provide Required Verification Under the Fair Credit Reporting Act ( FCRA ), Experian must ensure that any information it reports is accurate, verifiable, and complete. I have not received sufficient documentation verifying the legitimacy of this charge-off in response to my previous inquiries. 
Potential Violation of Credit Reporting Regulations The account is scheduled to remain on my report until XX/XX/2030, but the reporting of the charge-off and payment history contains discrepancies that may violate federal guidelines for fair and accurate reporting. 
Because the legally required notice was never provided before XXXX reported the delinquency, this account was improperly reported from the very beginning. This violation, in addition to the inaccurate and unverifiable reporting, necessitates the immediate deletion of this account from my credit file. 

I appreciate the CFPB 's attention to this matter and request a thorough investigation into Experians reporting practices concerning this account. Please provide me with an update on the resolution of this dispute at your earliest convenience. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$340.00} XXXX Opened : XX/XX/XXXX - XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A PART OF THE DATA BREACH AND MY INFORMATION WAS LEAK AND NOW I HAVE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
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 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - I ordered an item with my XXXX XXXX  TD BANK credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my TD BANK account XX/XX/XXXX- I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXX balance prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXX point drop. I Filed a dispute with the credit bureaus but TD BANK still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 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: TN

Complaint narrative:
The XXXX XXXX XXXX XXXX let someone enrolled in there program pretend to me without properly Identifying themselves. According to XXXX XXXX XXXX XXXX the school No ID is required upon the sell Ive never lived in XXXX XXXX and never visited there. Ive lived in XXXX my whole life I called the school XXXX XXXX XXXX XXXX and the Department of Education as well I filled a police report in XXXX XXXX and XXXX XXXX I put a fraud alert on my credit report. The person fraudulently opened up student loan live at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The student is enrolled without meeting the minimum requirements ( high school diploma or equivalent ), the XXXX XXXX XXXX because I didnt graduate High school nor do I have a GED equivalent education which means the student is Ineligibility for Federal Financial Aid : Federal rules require institutions to certify that students meet the qualifications for enrollment to receive federal financial aid. 
Potential Civil Fraud Claims : this student can not benefit from the program due to a lack of a high school diploma or equivalent, they should have to repaying student loans and potentially file a civil fraud claim against the school. 
Accreditation Issues : Institutions that don't adhere to accreditation standards or requirements should face consequences, including loss of accreditation and federal charges for falsifying government funds

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing 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 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 Fund 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 2025-03-09 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S.

Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. In accordance with 15 U.S.C. 1681i ( 7 ) I dispute this account as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$1400.00} Date Reported : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$340.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I had negatively impacted on my credit - Nelnet student loan servicer failed to have any contact with me via e-mail, phone, mail - Today reported XXXX XXXX late payments on my account. I also wasn't even able to login into there website to verify account. I called Nelnet and made a payment to bring my account in good conditions. 

I was in assumption that student loans were still on freeze. Nelnet has failed to contact me to inform me or resolve this issue. I have zero communication with this company. I was surprised with negative marking on credit report without any attempt of the communications. Website unable to verify account or login into account to even verify the debt. 

I have XXXX credit score with all bureau and now it is destroyed. I have lots of articles where Nelnet has done same with thousands of accounts. It is almost impossible to even get hold of anyone at this company. 

I kindly ask you investigate this and remove any negative marking from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am writing to formally request validation of an alleged debt that Wells Fargo Bank , N.A . ( WFBNA ) XXXX claims I owe in the amount of {$24000.00}, with the last update recorded on XX/XX/2025. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting verification of this debt to ensure its accuracy and legitimacy before proceeding further.

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 2025-03-09 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: VA

Complaint narrative:
IVE REQUESTED TO HAVE MY INFORMATION CORRECTED ON Y CREDIT REPORT SO THAT I CAN FURTHER WORK ON GETTING A PROPER SCORE.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote trans union requesting they remove 6 various names on my report that I have never gone and I asked them to remove 14 addresses They removed both however put it all right back on. I wrote another dispute letter asking them to remove XXXX XXXX XXXXXXXX XXXX of being late I have remained in college this entire time and should have XXXX late payments They told me they verified and kept the late payments from XXXX XXXX XXXX on my report. I am the victim of identity theft and have 2 accounts, one in collection that I have no knowledge of and it remains on my report with no correspondence with me. Please help me rectify this situation I have been denied my house and other loans that I would have gotten if they were not publishing lies.

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