vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding Experians failure to delete inaccurate and unauthorized personal information from my credit file, despite a formal dispute. 



I recently submitted a request to Experian to update and correct my personal information. I clearly stated that the following is my correct and verified personal information, and nothing else should be listed on my credit file : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Despite my request, Experian has failed to remove unknown and unverified addresses that do not belong to me. These addresses were not associated with any credit applications or verified activity and could potentially be signs of identity mix-ups or fraud. 



This is a direct violation of : - 15 U.S.C. 1681i ( a ) requiring credit reporting agencies to investigate disputes and delete unverifiable information, - 15 U.S.C. 1681e ( b ) requiring them to ensure maximum possible accuracy of consumer information. 



The continued presence of inaccurate personal identifiers on my credit file may expose me to identity fraud or inaccurate account reporting and creates unnecessary confusion in my credit profile.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-05-21 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: MS

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against TransUnion and Equifax for their failure to acknowledge provided evidence, validate disputed information, or remove inaccurate accounts from my credit file as required by federal law. 

I recently submitted documented proof to both TransUnion and Equifax showing that the collection accounts in question were already deleted by another credit reporting agency. Despite this clear and verifiable documentation : Neither bureau acknowledged receipt of my evidence, They did not provide any validation or reinvestigation results as required under 15 U.S.C. 1681i ( a ), and They continue to report the collections without justification or legal basis. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account and provide written notice of the results. Furthermore, 15 U.S.C. 1681e ( b ) requires these agencies to maintain maximum possible accuracy, which they have clearly failed to do. 

I am requesting that the CFPB initiate an investigation into these violations and ensure TransUnion and Equifax are held accountable. The continued reporting of inaccurate and unverified information is causing unjustified harm to my creditworthiness and reputation. 

Attached are the following : Proof of deletion from the original bureau ( e.g., XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing this letter to request the removal of the delinquent payment associated with XXXX XXXX. There was a miscommunication between their XXXX XXXX and XXXX XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX which to XXXX XXXX, they were supposed to make any and all final payments that were due on the return. They had issues between their companies and never made the payment. I had argued this for a few months until they finally realized their error and the payment was made. 

I purchased the car in XXXX the credit report Show late XXXX, XXXX and Charge off on XXXX and XXXX. I need anything negative on this report to be removed. This is impacting me getting a loan for my daughter 's college. 

I have a letter from XXXX XXXX to all three credits companies stating it was their issue and the delinquency should 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Home Loan Center, Inc.
State: UT

Complaint narrative:
XXXX"Someone tried to take out loans in my name. They were not successful however I have hard inquiry pulls and numbers on my credit that do not and have never belonged to me. XXXXPhone numbers that have never belonged to me are XXXXInquiries that do not belong to meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI'm sure there are more but they're not pulling up on the report. They may have fallen off since it's been about XXXX  years."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried calling the company and I cant speak to an XXXX speaker. When I call the company they hang up on 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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: PA

Complaint narrative:
First and foremost, this collection company placed a fraudulent account. XXXX credit report, then I don't, oh secondly, I never he received a notice of dispute to address this. It's fraudulent claim that I oh, this company any money again.According to the fcra this must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Request to remove accounts from Credit Consumers Dear I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : Navy Federal Credit Union Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2025-05-21 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: TX

Complaint narrative:
In XX/XX/XXXX XXXX I formally requested that Nelnet conduct a full audit of my federal student loan repayment history, which began in XXXX As of that request, my outstanding balance was {$70000.00} ( {$65000.00} in principal and {$5400.00} in interest ). I asked Nelnet to calculate and confirm my qualifying months under the One-Time Income-Driven Repayment ( IDR ) Adjustment, a federal initiative allowing for loan forgiveness after XXXX  years of repayment, including time prior to consolidation and periods of forbearance. 

Given that Ive been in repayment for over 22 years, I believe I now qualify for immediate forgiveness. I requested a written determination of my eligibility status, and a clear outline of any remaining steps for discharge. 

I also requested that Nelnet pause all negative credit reporting and remove any late payments previously reported, as these are inaccurate while my forgiveness eligibility is under active review. Despite this, Nelnet continues to report late payments to my credit report, causing ongoing harm. 

On XX/XX/XXXX, Nelnet responded but refused to provide the requested information in writing, directing me to call instead. As of now, no audit, payment count, or resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-05-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several times tried to lift the freeze on my credit so I can apply for a credit card. XXXX  and XXXX were no problem. But I have tried several times on Experian, on the phone, on the website, by mail even. I can't complete the process and I am seriously annoyed that I am offered no other way to contact Experian and get some help. If the AI voice on the phone call doesn't understand my answer, it simply tells me to use the website and then hangs up. The website tells me, after I fill in all the info, to apply by mail. I actually did copy all the documents and fill out the form and mail it in. I have had no answer. I tried again today. Same results. So Experian has held me hostage, in effect, for a couple of months now, by refusing to connect me to a person who can lift the freeze on my credit 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
So at XX/XX/XXXX I got scammed. I was on a trip in XXXX when it happens. Some people offered me money for using my image. They gave me a couple checks that I successfully checked out on my bank account. I was supposed to send a part of this money to another person according to conditions of our deal. And then money has disappeared and more than that bank putted my account in overdraft. The bank is Wells Fargo. I called them multiple times to figure out what was wrong with the check and what I heard from banks employees is that the check was not legitimate and they literally said that they approved a not legitimate check, gave me full control over that money that weren't ever existed immediately. That is just what they said. And Instead of looking for those who scammed their customer they just putting in a terrible position. I have screenshots of all the texting process between me and people who scammed me and I got the digital check that they sent to me and ready to provide any information and evidences that I have. I'm a resident of United States and I pay my taxes I don't have any criminal records and I had a good credit score before this situation happens. I think that is banks fault mostly for making that crime possible. More than that the people that scammed me they had to provide a lot of their personal information to me and I have it and it's seems like that's their actual information, so bank have all of it but they aren't even trying to do anything with it. I have also sent checks to XXXX XXXX bank but by that time I figured out that it was a mistake so I called them and reported that I think the money were fragulent and they resolved everything very quickly. 
I think this situation is completely unfair to me. The reason why I'm reporting it so late is because I'm not very good at this things and I really never have experienced something like this before. I need help

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