vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received a response back about XXXX XXXX # XXXX. I'm more concerned now than ever that my information has been mishandled and other accounts were added to mine which is why the amount was totaling over $ XXXX. I have someone Someone named XXXX XXXX XXXX information is attached to my final information per the email I received today. I'm VERY CONCERNED that this information needed to rechecked and that he does not have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: IL

Complaint narrative:
This debit was paid off in a XXXX XXXX XXXX and now is showing up as a collection from another company thats is contacting me and harassing me with calls and text messenges. I asked for the harassment to stop and I would like evidence of the debit that Im supposed to have owed but has not received anything. I would like this to be wiped off of my credit report or I will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked for documentation on company letterhead ( contracts ) with my hand written signature and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
I have no knowledge of ever taking this long out and believe I was a victim of the credit bureau data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-19 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-19 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As the Executor of this trust account, I am demanding the immediate removal of the following charged-off account from my credit report. This account does not benefit me and remains inconsistent across all reporting agencies. I am disputing it under trust laws and require its deletion within 30 days. 

Account Name : XXXX XXXX XXXX / XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Furthermore, the reporting dates differ across all three bureaus, indicating discrepancies in how the account has been recorded. This raises concerns regarding the accuracy and integrity of the information being reported. As such, I am exercising my fiduciary duty to ensure that my financial profile reflects only truthful, valid, and beneficial records. 

By allowing this account to remain, the credit bureaus and creditor are failing to uphold their obligation to maintain fair and accurate credit reporting under the law. I am demanding immediate corrective action, and the only acceptable resolution is the full and permanent removal of this account within 30 days. Failure to comply with this request will be considered a breach of duty, and I will take the necessary legal steps to enforce the proper execution of 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 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
On XX/XX//2025, Jefferson Capital Systems sent me a collection notice for two alleged debts from XXXX XXXX XXXX ( XXXX XXXX ). The amounts were {$4000.00} ( Acct # XXXX ) and {$520.00} ( Acct # XXXX ), with a deadline to dispute by XX/XX/2025. 

On XX/XX/2025, I sent a debt validation request via certified mail, requesting a signed contract, payment history, proof of debt ownership transfer, and confirmation of the statute of limitations. 

Jefferson Capital responded by sending only a photocopy of a bill, which does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). Despite failing to verify the debt, they reported it to the credit bureaus, damaging my credit. 

I disputed the account with the credit bureaus, but they refused to remove it. Jefferson Capital is attempting to collect a debt they have not legally validated, violating my rights under FDCPA and the Fair Credit Reporting Act ( FCRA ).

I request that Jefferson Capital provide full validation of the debt or remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove multiple unauthorized hard inquiries from my credit report, despite my formal disputes and supporting documentation. On XX/XX/year>, I visited a car dealership to apply for auto financing. My credit was subsequently pulled multiple times by different financial institutions without my explicit authorization. 

Legal Violations and Basis for Immediate Removal Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), a hard inquiry is only permissible when the consumer has provided explicit authorization to the entity conducting the inquiry and the inquiry is conducted for a legitimate credit transaction in which the consumer is involved. In my case, I never provided individual authorization for these inquiries, nor did I establish any credit relationship with most of these lenders.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), any inaccurate, unverified, or unauthorized information must be removed immediately from a consumers credit report. Additionally, under FCRA 1681c-2, when a credit inquiry is related to fraud or was conducted without the consumers authorization, the credit bureau must remove it within 4 business days of receiving the request and the necessary documentation.

Despite submitting a formal dispute to TransUnion, requesting the removal of these inquiries, they have failed to take appropriate action within the legally required timeframe.

Supporting Documentation Provided to TransUnion I submitted a copy of my FTC Identity Theft Report ( # XXXX ), confirming that these inquiries were made without my consent, a copy of my credit report with the disputed inquiries highlighted, and a copy of my government-issued ID verifying my identity. 

Unauthorized Hard Inquiries to Be Removed Immediately The following unauthorized inquiries must be removed from my report within 4 business days, as required by 15 U.S.C. 1681c-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only legitimate inquiry that should remain on my report is XXXX XXXX  - XX/XX/year>.

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 2025-03-19 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 was clearly the victim of forbearance steering, as defined by the Department of Education. Though I've reached out to both my servicer, NelNet and the Department of Education several times, I can not get any information that indicates my loans are going to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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. 

The biggest fraud was in XXXX. Over {$2800.00} was taken from my bank account between XX/XX/XXXX - XX/XX/XXXX. ( I can not find the other transactions because my cashapp and bank account are unavailable ) The bank ultimately closed my account and I was never refunded my money. 

XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$380.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
1 ) Did not have services done that were charged by XXXX XXXX XXXX Paid XXXX XXXX  and was still charged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am inquiring about the process your esteemed organization followed in examining the contested items. Kindly provide me with an elaborate description of the procedures undertaken to arrive at these conclusions. Was the communication received in written form or was it conveyed orally? 
Additionally, I would appreciate knowing the mailing address utilized for the inquiry or the contact number dialed for reaching out. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses.I am also requesting the date that the supposed delinquency incurred, which should have been given to you by CAPITAL ONE. 
CAPITAL ONE - XXXX - payment history is not reporting and inconsistant - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 
CAPITAL ONE - XXXX - payment history is not reporting and inconsistant - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 
I am anxious about the timeline for the removal of this tradeline, understanding that it usually takes 7 years. Could you please provide me with the exact month and year when this trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: DC

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation