vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt. 
Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action. 
If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations. 
I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MO

Complaint narrative:
I am disputing all collections and closed charge offs on my TransUnion, XXXX, and Experian credit reports due to their lack of a thorough investigation. My father, XXXX XXXX, has been consistently using my information including my name, my former name, and my social and birth date to gain credit on his behalf since I was a minor. This activity has continued up until XXXX when he was finally incarcerated for unrelated crimes. Several times each year since XXXX, I have reached out to all three credit bureaus to dispute the collections and late payments that my biological father racked up using my information. I have been taken to court over some of these debts where no judgements have been made against me because the debt isnt mine. 

I believe there investigations are lacking as every time Ive disputed the debt as fraud they come back within 2 days time saying its verified. Over the years Ive provided police reports to no avail, the information just stays there. This has prevented me from getting favorable rates with my mortgage, and almost made it impossible to get a mortgage at all.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have had 2 issues with Marcus credit card. 1. I had an automatic ACH set up to pay a {$100.00} every month if a balance existed. I had a balance of {$15.00} ( which was a 'fee ' that was unknown to me ) which was less than the amount to be paid via ACH. Marcus took the entire ACH {$100.00} and gave me a credit of {$85.00} which Marcus would not refund the credit balance of {$85.00}. 2. I paid my entire bill on XXXX XXXX XXXX XXXX they charged me an interest fee of {$0.00} which I disputed and they are not willing to refund. I believe they are charging this interest fee to then charge a late fee to unsuspecting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXXXXXX XXXX XXXX I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: MA

Complaint narrative:
Sezzle has been into the major credit bureaus that I owe them {$190.00} the information that they providing is incorrect. XXXX personally to have the update this information and it has not been done. It came back verified through my credit bureau once I try to dispute it due to not having a balance at all, and also speaking to a representative and they informed me there is no balance at all with, I just don't understand what's going on no one is working with me and I have proof that there's no balance with this company. Everything was paid in full. So I do need a job on their end and fix the error on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXXXXXX XXXX XXXX I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXXXXXX XXXX XXXX I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-02-09 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: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-02-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear to Whom it may concern I am writing on behalf of XXXX XXXX to formally dispute the civil liability claim under 15 U.S.C. 1681o, which pertains to negligence and non-compliance under the Fair Credit Reporting Act ( FCRA ). After reviewing the relevant information, we believe there has been a failure to adhere to FCRA regulations, resulting in an unjust outcome. 

Grounds for Dispute : 1. Failure to Maintain Accurate and Fair Reporting : The reported information appears to be inaccurate, outdated, or unverifiable, violating the FCRAs requirements for data accuracy. 
2. Lack of Proper Notification and Investigation : XXXX XXXX was not properly notified of the disputed information, nor was there an adequate investigation conducted before adverse actions were taken. This constitutes a violation of the duty to conduct reasonable investigations as required by the FCRA. 
3. Negligent Non-Compliance Resulting in Harm : Due to the failure to comply with FCRA regulations, XXXX XXXX has suffered undue harm, including but not limited to financial damages and reputational harm. 

Requested Resolution : Given the violations outlined above, we request the following : mmediate removal or correction of any inaccurate or non-compliant information. 
Full compliance with the FCRAs requirements, including conducting a proper reinvestigation. 
A written response confirming the resolution of this matter and any corrective actions taken. 

Please consider this letter as an official dispute and request for resolution. If the issue is not addressed promptly, we will explore further legal remedies, including seeking damages as permitted under 15 U.S.C. 1681o. 

We expect a response within 30 days as required by law. Please direct all future correspondence to the contact information listed above. 

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 2025-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Governmental Entities ( 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 : XXXX. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. 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. Given the severity of this breach and the direct impact on my financial security and privacy.

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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report i have accounts still on my report that have been closed more that XXXX XXXX would like them deleted. 
sleepys officially went out of business in XXXX  i closed my account years before that and it is still visible on my credit report. 
Also My old addresses that i haven't lived at for at least 20 years are still on my experian report.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
They sent the information back as verified. No documentation was returned. Never noting how the information was verified.

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 2025-02-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-09 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: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed 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 inaction 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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: NY

Complaint narrative:
Hi there I am unable to open a checking account key hassled free account there I am on XXXX and the bank is refusing to help out there so I want to know why they wont allow me to open one there for direct deposit the bank will not respond to my email asap so I need help there I want a answer back from the back there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Nelnet, Inc.
State: MA

Complaint narrative:
My personal and financial information was comprised without my authorization. The Family Education Rights and Pruvacy Act ( FERPA ) protects the confidentiality of students records.

This breach is a clear violation of FERPA and your responsibility to safe guard my information.

Given the severity of this breach and resulting comprise of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The account was closed due to fraud. I have a XXXX credit sitting with Bank of America. I want them to send me my money.

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 monetary relief