vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: Block, Inc.
State: TX

Complaint narrative:
Consumer Reporting organization XXXX  XXXX XXXX and Department of Education lacks my approval ( mutual agreement ) to provide this information, and they certainly do not possess my written approval. Furthermore, all consent related to XXXX XXXX XXXX XXXX, Cash App and XXXX XXXX Provider of information to credit agencies, whether stated verbally, non-verbally, in writing, impliedly, or in any other form is revoked. According to 15 USC 6802 ( b ) ( c ), A financial institution is prohibited from revealing nonpublic personal details to a nonaffiliated third party unless the consumer is given a clear explanation on how they can opt for nondisclosure. The providers of information to credit agencies, material alterations of my domicile which is Private and ( Rule Free Delivery, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX  Exempt [ XXXX ] ), including outdated addresses where I no longer reside, along with previous non uses phone numbers and employment details that do not pertain to my privacy or identity, that I also do not utilize anymore, constitutes character defamation and misleading and deceptive practices ; My employer 's name is XXXX XXXX XXXX XXXXXXXX XXXX ; They have never informed me of my right to opt-out for nondisclosure. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies, Except as permitted under subsection ( b ), no consumer reporting agency can create a consumer report that includes any of the following items or any other adverse information, aside from records of crimes that precede the report by over seven years. This account represents an adverse detail being reported again without my authorization, which is unlawful. As stated in 15 U. S. Code 1681s2 ( A ) ( 1 ), No individual shall provide any information concerning a consumer to any consumer reporting agency if they know or reasonably believe the information is incorrect. Furthermore, 15 U. S. Code 1681e asserts, All consumer reporting agencies must uphold reasonable practices to prevent violations of section 1681c of this title and ensure that consumer reports are limited to the purposes outlined in section 1681b of this title. XXXX XXXX XXXX Cash App ; XXXX XXXX and Department of Education are failing to maintain these reasonable practices. Lastly, 12 CFR 1016. 7 indicates that A consumer is entitled to opt out at any moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account ending in XXXX XXXX XXXX XXXX I have {$51.00} on my account and have contacted CitiBank N.A. via phone and letter several times with no resolve. This amount was used for an online casino where I won over {$600.00} however CitiBank, without my authorization reversed the payment and I lost my winnings. I want MY MONEY back via check to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is unacceptable. 

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 monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OH

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my student loan status and to notify you of a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

It has come to my attention that MOHELA has inaccurately reported my federal student loan ( s ) as delinquent to the credit reporting agencies. This information is incorrect and has caused undue harm to my credit profile.

Under FERPA, I have the right to privacy regarding my education records, including information related to my student loan account. By inaccurately reporting this information and potentially disclosing private educational data without proper verification or correction, I believe MOHELA has breached my rights as protected under this federal law. 

I request that you : 1. Immediately investigate and correct any and all inaccurate information related to my account.

2. Provide documentation validating the accuracy of the reported delinquency.

3. Cease and desist from further reporting of inaccurate data.

4. Issue a formal response confirming your actions regarding this dispute.

5. Provide details regarding any third-party disclosures of my account data, including the basis for such disclosure under FERPA compliance.

Please consider this letter a formal dispute under both the Fair Credit Reporting Act ( FCRA ) and FERPA. I am requesting resolution within the legally allowed 30-day period. If this issue is not resolved in a timely and satisfactory manner, I will consider seeking further legal remedies and filing a formal complaint with the U.S. Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. Please remove them as they are affecting 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 non-monetary relief
Consumer complaint received 2025-04-22 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 recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. Please remove them as they are affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc
State: TX

Complaint narrative:
Got an alert on my credit wise account that's connected to my Experian credit report. 
Alert was from a company called ( XXXX XXXX XXXX XXXX ) REPORTED ON XX/XX/year> WITH A BALANCE DUE OF {$470.00}. Never heard of this company, no past calls from the company, no emails either stating i owe this company this money. 

Please update and remove ASAP and provide me with an updated corrected credit report Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-22 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

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 2025-04-22 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have been trying to get a autoloan for XXXX and these company..... XXXX  / Transunion XXXX Equifax XXXX have All been false reporting my personal information. Causing me many credit problem still today .. I have tried getting them to fix with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I am disputing the continued reporting of this repossession on my credit report. My vehicle, a XXXX XXXX XXXX XXXX ( PICTURE ATTACHED INCLUDES VIN AND OTHER CAR INFO. was repossessed approximately one year ago. Since then, I have not received any notice or communication regarding whether the vehicle was resold or if the debt was satisfied. Despite this, the repossession continues to be reported monthly, which is inaccurate and misleading. I have not been provided with an accounting of the sale or any further information about the status of the vehicle. Additionally, I am unaware of what happened to the vehicle after the repossession, and I have not received the required documentation or notice, as required by law, regarding the disposition of the vehicle or any remaining balance on the loan. I request that this be investigated and that an updated report be provided, showing the correct status of this account. I also request an accounting of what happened to the vehicle, including whether it was sold and how the sale proceeds were applied to my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to the CFPB under complaint number XXXX regarding multiple inaccurate and unverifiable accounts reported by TransUnion. TransUnion did not respond until more than 30 days later, and their response failed to address the core of the issue. Most items were marked simply as " verified as reported '' or " updated '' without providing any documentary evidence or actual validation from the original furnishers, as required by the Fair Credit Reporting Act ( FCRA ). 

Since then, I have submitted at least XXXX additional disputes related to these same accounts, and TransUnion continues to report the negative information without correction or proof. In contrast, other credit bureaus like Experian have updated or corrected several of these accounts, which further highlights the negligent and inconsistent handling by TransUnion. 

On XX/XX/year>, I was denied credit by XXXX XXXX XXXX XXXX, and their letter specifically cited negative data reported by TransUnion as the reason. This demonstrates direct financial harm caused by TransUnions ongoing violations. 

TransUnion is in violation of the FCRA, including : 1681i ( a ) for failing to reinvestigate and verify disputed information.

1681e ( b ) for continuing to report inaccurate or outdated data without ensuring accuracy.

1681s-2 ( b ) for refusing to delete unverifiable accounts after receiving disputes. 

I request immediate action by the CFPB to enforce compliance and require TransUnion to permanently delete all inaccurate and unverifiable accounts, and provide a corrected copy of my credit report. 

Supporting documentation ( screenshots of complaint # XXXX, TransUnions delayed response, and XXXX XXXX denial letter ) will be 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 explanation