vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
I asked to have charged off accounts removed that were purchased or sold to debt collector. Invalid information showing balance on charged off accounts. Accounts were charged offed and still showed a balance on account.

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 2025-01-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked as inaccurate " NAVY FCU '' opened on XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: RI

Complaint narrative:
Im concern that the way they investigate if at at all is not legal or at least immoral because of the other credit reporting companies removed XXXXXXXX XXXX from my report because I reported that they could prove that they have any business with me by not providing an original document with my signature. But its still my report preventing me from getting the score I need to buy a house violating my constitutional rights as war veterans to pursuit happiness giving by the constitution of the United States of America of which I am a citizen. The company refuses to remove after multiple attempts to rational with both them and 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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TX

Complaint narrative:
I made XXXX deposits on XXXX. I got notification that my deposits would be held until XX/XX/XXXX before I could access the funds. On XX/XX/XXXX they froze my account and didnt even bother to notify me. I was out of town and didnt realize they did this until I returned home yesterday. I heard from many people that KeyBank really sucks and freezes peoples account for no reason. I should have listened. They held thousands of my money hostage under the guise of fraud. I dont understand they didnt call or email me. And I got the snail mail 2 weeks later and now even more delays and I need access to my funds. We dont have a branch in my city so I cant get this resolved quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Recently found out I have a XXXX which makes it hard for me to work. As such I have tried to reach out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  regarding getting XXXX discharge since its posted on there website that they have a way for people with XXXX or death that can be helped/discharged I tried calling the number on the website but it just rings constantly. And usually if someone answers they have no clue what I am talking about XXXX XXXX XXXX Emailed XXXX XXXX XXXX XXXX Sent the link regarding the XXXX information XXXX XXXX XXXX Linda responded telling me to contact a different department regarding it ( they didnt know what I was talking about )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, TransUnion Subject : Request for Removal of Canceled Debt from Credit Report Dear XXXX, XXXX, TransUnion I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX  XXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form XXXX, which I received. 

The XXXX XXXX indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/year>, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( UCC 3-604 ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations.

Legal Background : 1. UCC 3-604 ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability.

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation 1.6050P-1.

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions.

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, Equifax, XXXX Subject : Request for Removal of Canceled Debt from Credit Report Dear XXXX, Equifax, XXXX I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX XXXXXXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form 1099-C, which I received.

The Form 1099-C indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/year>, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( UCC 3-604 ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations.

Legal Background : 1. UCC 3-604 ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability.

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation 1.6050P-1.

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions. 

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Medical Data Systems. In this letter I requested information on Debt based on 15 US Code 1692g. This law states that the Debt collector should send in writing to me the right to collect Debt. This can be disputed by the person in which they have a claim against. They didn't send me any notice of collection until it was reported on my credit report on XX/XX/XXXX for XXXX. In my letter I asked for all basic information to validate the Debt. I asked for name of original creditor, name on account, how much it was for and the purchase agreement. This was also apart of a dispute I sent to you on XX/XX/XXXX. I just received a letter back today XX/XX/XXXX that I will attach stated I have no rights to know the agreement between them and the original creditor our there state licenses. That is a direct violation of this law and myself as the consumer. If that was the case anyone in anyway could say they are a debt collector on anything they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PM XXXX Inquiries XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiries XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been an active user of Cash App for over 5 years and was not informed of and/or notified by this company of any potential threat of my personal and financial information as I should have been with the recent Class Action filing and judgement.

It was recently ruled that " Block employed weak security protocols for Cash App and put its users at risk '' and my personal information has been compromised. 

I have every right to be compensated for potential loss and future losses. 

XXXX

Company response to consumer: Closed with explanation