vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I know that I may have become a burden because of the complaints that Im filing and I understand whats going on with CFPB if we win or lose we will still have stability to fight with CFPB if we lose them, we lose all hope. Ive been disputing in accuracy with Equifax Transunion Experian about My closed written off accounts with XXXX  XXXX and my XXXX  XXXX XXXX account. I have miraculously open my old XXXX XXXX account and it shows everything that was going on before the couch was written off it also states that my accounts Should not be still being reported as late payments. These are not XXXX  words the CFPB words or XXXX XXXX words this is what XXXX XXXX has on my account. The term past due fee and late fee are interchangeable and refer to a customers account for failing to make a payment its due date ( DATE ) I am sending information that XXXX XXXX has in bowl black letters posting Debt I am still required to pay off my outstanding balance, and on the top of that, it states your account wont be accrue more interest or past due fees XXXX XXXX states that theyre not reporting these Account as late payments on my credit report. I understand that Im disputing again with you and complaining again which view but the XXXX major credit bureaus are not abiding by federal guidelines and laws and the fair credit act I want my late payments dismissed. Erased deleted the accounts can still stay there, XXXX XXXX states there theyre not reporting these as late payments. Because last month they updated them and this month they updated them and I feel like every time you all submit documents to the XXXX credit bureaus they update them as late payments. Thank you for understanding and Im sorry about keep interfering with your busy work schedule, see documents attached.

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 2025-03-16 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Closed Phone Number : XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Closed Phone Number : XXXX Inquiries in Dispute : 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 non-monetary relief
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Security Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft and Failure to Protect Personal Information Details of the Complaint : I am submitting this complaint against the credit reporting agencies and data furnishers due to their failure to properly address identity theft-related fraudulent accounts on my credit report. Despite multiple requests to update my personal information, block fraudulent accounts, and provide verification of disputed information, the credit bureaus have failed to comply with federal laws. 

Violations of Consumer Rights : Failure to Provide Method of Verification - The credit reporting agencies have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to Block Fraudulent Information Upon Request - Despite providing proper documentation, fraudulent accounts were reinserted into my credit report without notice, violating 15 U.S.C. 1681c-2.

Failure to Properly Safeguard Personal Data - My personal information was compromised in multiple data breaches, including XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). The credit bureaus failed to take appropriate steps to protect my data, violating 15 U.S.C. 1681b ( g ).

Failure to Ensure Accuracy in Reporting - The data furnishers have continued reporting inaccurate and fraudulent information, violating 15 U.S.C. 1681s-2.

Disputed Accounts & Violations : XXXX XXXX - Removed due to identity theft but later reinserted without notice. 

XXXX - Removed due to identity theft but later reinserted without notice.Both accounts were removed on XX/XX/XXXX but reappeared on my credit report as of XX/XX/XXXX, violating the reinsertion notice requirement.

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 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Security Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft and Failure to Protect Personal Information Details of the Complaint : I am submitting this complaint against the credit reporting agencies and data furnishers due to their failure to properly address identity theft-related fraudulent accounts on my credit report. Despite multiple requests to update my personal information, block fraudulent accounts, and provide verification of disputed information, the credit bureaus have failed to comply with federal laws. 

Violations of Consumer Rights : Failure to Provide Method of Verification - The credit reporting agencies have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to Block Fraudulent Information Upon Request - Despite providing proper documentation, fraudulent accounts were reinserted into my credit report without notice, violating 15 U.S.C. 1681c-2.

Failure to Properly Safeguard Personal Data - My personal information was compromised in multiple data breaches, including XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). The credit bureaus failed to take appropriate steps to protect my data, violating 15 U.S.C. 1681b ( g ).

Failure to Ensure Accuracy in Reporting - The data furnishers have continued reporting inaccurate and fraudulent information, violating 15 U.S.C. 1681s-2.

Disputed Accounts & Violations : XXXX XXXX - Removed due to identity theft but later reinserted without notice. 

XXXX - Removed due to identity theft but later reinserted without notice.Both accounts were removed on XX/XX/XXXX but reappeared on my credit report as of XX/XX/XXXX, violating the reinsertion notice requirement.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This card balance to another card of there's as per the banker that helped me and then I never received that card and then the XXXXXXXX XXXX XXXX XXXX XXXX closed and never heard from them again. Keep in mind this was XXXX  years ago this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Cons
umers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent 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 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$53000.00} XX/XX/XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$53000.00} XX/XX/XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX for unjustified freezing of my account and withholding my legally deposited funds without explanation. Despite repeated attempts to resolve this issue directly with XXXX, they have refused to provide a clear resolution or access to my money. 

Issue Description : On XX/XX/XXXX, XXXX  froze my account due to a {$250.00} returned deposit from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ). While this issue was minor, XXXX  subsequently froze my entire balance of {$5300.00}, preventing me from accessing my funds without any clear reason or timeline for resolution. 

I have : Submitted all required documentation Answered every compliance question Followed up multiple times for an update Despite this, my funds remain frozen and XXXX support has stopped providing meaningful responses. 

Transaction History & Key Facts : {$250.00} returned deposit on XX/XX/XXXX ( due to a frozen external bank account ). 
Deposited {$1700.00} and {$2800.00} on XX/XX/XXXX these deposits were accepted successfully. 
Total frozen balance : {$5300.00}. 
XXXX  refuses to provide a resolution or release my funds. 
Violation of Consumer Protection Laws XXXX XXXX actions constitute unfair and deceptive financial practices, violating : Consumer Financial Protection Act ( CFPA ) by freezing legally deposited funds without explanation.

Electronic Fund Transfer Act ( EFTA ) by preventing access to deposited funds without due process. 
Failure to provide a clear and transparent dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my inquiries regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
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 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 2025-03-16 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: TN

Complaint narrative:
My FERPA rights were violated when the XXXX team illegally accessed XXXX XXXX XXXX  systems. I didn't consent to access of my information and the cybersecurity threat this represents to my financial future. I want their actions to be held accountable for this contract violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a collection account from IC System on my XXXX credit report for {$120.00}. This account is inaccurate, improperly reported, and unverifiable for the following reasons : 1. Incorrect Open Date The account is listed as opened on XX/XX/year>, but this is not the true date of delinquency. The original account became past due over two years ago, meaning this date is misleading and does not follow the FCRAs reporting guidelines.

2. IC System is NOT the Original Creditor IC System purchased or was assigned the debt but has not provided proof of assignment or original account records to verify their legal right to collect or report this debt. 
3. Failure to Provide Debt Validation Under 15 U.S.C. 1692g ( FDCPA ), I have the right to demand full validation, including the original creditors contract, detailed account history, and proof of assignment. IC System has failed to provide any of this documentation.

4. Inconsistent Reporting The account only appears on XXXX and not the other two credit bureaus, suggesting incomplete or improper reporting in violation of FCRA 623 ( a ) ( 1 ).

Given these clear violations, I demand immediate removal of this account from my credit report. If IC System can not produce full, legally required validation within the required timeframe, this account must be deleted per FCRA and FDCPA regulations.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Savior Credit card continues to bill me for an item that I returned. The amount they are billing is very high and keeps rising. This is causing me financial hardship and basically they are aiding the original vender to steal from me. I am elderly with a lot of health issues and I feel very helpless because this just isn't fair and this is causing significant negative impacts on me. I am really hoping that there is a way to resolve this issue because it is just plain wrong to unjustly charge someone for something that they do not have. Any assistance I could get with this issue would be greatly appreciated.

Company response to consumer: Closed with explanation