vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
I am filing this complaint against EdFinanacial due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 1 late payment entries from ED Financial, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

I spoke with ED Financial on XX/XX/year> and they stated that there was nothing that they can do for my credit to call financial aid. I spoke with them on XX/XX/year> and they stated they couldn't do anything to call my loan company. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a vehicle and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving ED Financial raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, ED Financial may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I bought my truck XXXX XXXX on Loan last year in XXXX with interest rate of XXXX percent and i paid {$6000.00} down payment. I believe i should be only responsible for interest that accumulates on daily basis. 
I have been paying loan payments amount of {$850.00}. They charge me future interest payments which is equivalent to XXXX percent of my monthly payment only XXXX percent goes toward my truck value and the bank and XXXX dealer say every bank are allowed to do so by law which means if i refinance my truck loan all interest payment that i paid will be gone. This is a total scam. I paid so far for 7 months. My initial loan total was {$390000.00} my current balance is still {$37000.00} because they made me to pay for future interest payments. I paid so far {$6000.00} in last 7 months and {$40000.00} went for interest payments and only {$2000.00} toward my loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I am filing this complaint against American Express due to a false late payment being reported to the credit bureaus despite their acknowledgment that the charge was made in error. 

On XX/XX/year>, I contacted American Express regarding a late payment and interest fee that appeared on a card that had been closed. The representative reviewed my account and confirmed that the charges were applied in error, and they issued a refund for the late fee and interest in the amount of {$72.00}. I was specifically told that the late payment would not be reported to the credit bureaus. 

However, I recently received an alert that the late payment was reported, which caused my credit score to drop by over XXXX points. This directly contradicts what I was told by their representative and is causing significant harm to my credit standing. 

I am requesting that American Express immediately contact XXXX XXXX, and XXXX to have this inaccurate late payment removed from my credit report and that I receive written confirmation once it is corrected. 

I have documentation showing the refunded charges and Amex 's acknowledgment of the mistake. Below you will find the balance of XXXX showing the refund had been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN

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 2025-04-21 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: FL

Complaint narrative:
Im honestly overwhelmed and frustrated. Ive disputed these accounts with TransUnion multiple times, and they eventually confirmed in writing that the accounts were deleted. But now, after checking my credit report again, I found that several of those same accounts have been reinserted, without any notice, explanation, or my permission. This is unacceptable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion is required to notify me in writing within 5 business days when a deleted item is reinserted. That never happened. This also violates 15 U.S.C. 1681e ( b ), which requires the reporting of only accurate and verified information, and 15 U.S.C. 1681b, because I never authorized the reinsertion of these accounts. Equifax and Experian have already permanently removed these accounts from their reports and have not reinserted them. TransUnion is the only bureau continuing to mishandle my file. Ive had to use my own money just to monitor these updates through credit monitoring services like XXXX, and I shouldnt have to catch their mistakes myself. This entire process is emotionally exhausting. These constant reinsertions are not only damaging to my credit but are also a clear sign of willful and negligent noncompliance. Im asking the CFPB to step in. I want all reinserted accounts permanently deleted from my TransUnion report, a full explanation of how and why they were added back, and for TransUnion to be held accountable under 15 U.S.C. 1681n and 1681o.

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 2025-04-21 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: AZ

Complaint narrative:
I did not apply for any types of loans or cars. This is fraudulent and was not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I did not apply for any types of loans or cars. This is fraudulent and was not done by 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 2025-04-21 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:
Subject : Request for Removal of Inquiries ( Identity Theft ) Dear Credit Bureau, I am writing regarding several hard inquiries on my credit report. These inquiries were made as a result of identity theft and were not authorized by me. 
I am requesting that the listed inquiries be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of inquiries that need to be removed from my credit report : XXXX XX/XX/year> Equifax These inquiries were made without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove the inquiries from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
on XX/XX/year> i deposited {$500.00} into my online cash app account. ( account is verified with my drivers license and social security number, and i have a physical card linked to the online account in my possession ) On XX/XX/year>XXXX  someone with an IP address associated with Illinois hacked into my account and unlinked my email and phone number from my account and attached a fake email which they then used to transfer {$490.00} to an international money transferring website with the merchant name XXXX when i realized this i reported it to Cash Apps Fraud Department. they investigated it and proved it was a fraudulent charge, so i was then able to dispute the charge. on XX/XX/year> Cash App recovered my funds and deposited them back into my Cash app account. i tried to log in to my account to confirm and also to withdraw the money because i no longer trust the account is secure, and found i was locked out. i called customer service for help and they informed me they can neither give me access to my money or help me transfer it out, all they can do is bump my issue up to a supervisor. when i informed them i was recording the call and will be updating my local police ( of which i already filed a report on the original fraudulent charge ) they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MOHELA
State: GA

Complaint narrative:
Ive been receiving letters about student loans that dont belong to me. The only college i attended was XXXX XXXX XXXX, and i even called them to see why the letters was coming to my mail because my grandparents paid off my college tuiton in full without applying for student loans. Their response was you dont have an outstanding balance on your account. Now recently my credit score dropped dramatically for something i didnt do and its affecting my personal life. I believe either someone used my information or this is just a huge mistake, i have no idea about a student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> : my fianc and I found XXXX and requested to buy a XXXX  cat named XXXX. The seller called " XXXX XXXX '' emailed ( XXXX ) and asked for payment to be sent to XXXX at his number XXXX in the amount of {$750.00} to get the cat delivered on XX/XX/year>. The cat cost {$500.00} and the shipping cost {$250.00}. We sent the money and sent " XXXX '' a screenshot confirmation. XX/XX/year> : we did not get the cat, we got a call and email claiming to want thousands more in dollars and my fianc asked for a refund. " XXXX '' said he won't refund. We want our money back. Chase won't refund back and XXXX won't refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-21 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 am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by Experian. These accounts are not mine, and I did not authorize them in any capacity. The charged off XXXX XXXX accounts are not mine. And they are also reporting my XXXX  XXXX account with late payments when I have been making onetime payments since the day the account was opened. 

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-21 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
Information placed on credit report without any validation, chain of custody or XXXX. Account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-21 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:
As of XX/XX/year> I was unable to use my debit card and or log into my Citi Bank app to view my account information.I called in and they were unable to give me information. Therefore on XX/XX/year> I walked into the Citibank in encino Ca at exactly XXXX am. They were able to let me know that they had decided to close my account that there was no reason as to why and that they were going to move my account to closed completely after 30-60 days. I then said that I wanted the funds in my account as my father had zelled me {$1900.00} to pay our rent and they told me that they were not able to get me funds because they were not protected funds. That they could only give me {$210.00} that had come from an ACH. This then led me to ask why they closure and they couldn't tell me and they stated that after they conduct their investigation they will then send me check with my balance of {$1800.00}. Meanwhile since they can not prove its my money they can not give it to me. I left the branch and called Citibank customer service, the representative had me identify myself about 3 times to tell me that there was nothing I could do that a supervisor could call me back I very upset told her I would wait for the supervisor to come on the line and was not going to take a call back. The supervisor said they had no further information on my account that there was no one superior to him that could help and or support me with obtaining my money out of the 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 2025-04-21 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: NC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation