vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I am filing this complaint due to the inaccurate and inconsistent reporting of the XXXX XXXX XXXX  account ( XXXX ) across all three credit reporting agencies. I have attached correspondence from the creditor that directly contradicts the information being reported by Experian, Equifax, and TransUnion. The balance being reported on my credit report is {$220.00}, whereas the creditor has confirmed that at the time of closure, the balance was {$120.00}. Additionally, the date of my last payment is being misreported. The company states that my last payment was made on XX/XX/XXXX, yet Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. There are also errors in the delinquency reporting, as the company confirms the charge-off date was XX/XX/XXXX, yet Equifax incorrectly lists the account as 60 days past due in XX/XX/XXXX, which is not accurate. 

These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my financial standing. I have been trying to correct these inaccuracies for over a year, and your failure to report accurate information has caused me emotional distress and loss of financial opportunities. Due to this continued negligence, I am demanding the immediate deletion of this account from my credit report within 4 days. If this issue is not resolved promptly, I will be forced to take legal action under FCRA ( 15 U.S.C. 1681 ) and will seek monetary compensation for the damages caused by this erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I am filing this complaint due to the inaccurate and inconsistent reporting of the XXXX XXXX XXXX  account ( XXXX ) across all three credit reporting agencies. I have attached correspondence from the creditor that directly contradicts the information being reported by Experian, Equifax, and TransUnion. The balance being reported on my credit report is {$220.00}, whereas the creditor has confirmed that at the time of closure, the balance was {$120.00}. Additionally, the date of my last payment is being misreported. The company states that my last payment was made on XX/XX/XXXX, yet Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. There are also errors in the delinquency reporting, as the company confirms the charge-off date was XX/XX/XXXX, yet Equifax incorrectly lists the account as 60 days past due in XX/XX/XXXX, which is not accurate. 

These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my financial standing. I have been trying to correct these inaccuracies for over a year, and your failure to report accurate information has caused me emotional distress and loss of financial opportunities. Due to this continued negligence, I am demanding the immediate deletion of this account from my credit report within 4 days. If this issue is not resolved promptly, I will be forced to take legal action under FCRA ( 15 U.S.C. 1681 ) and will seek monetary compensation for the damages caused by this erroneous reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - amount paid for ticket XXXX XXXX I called them to try to get money back from insurance and they told me that they could not locate my policy and denied I had XXXX when I purchased it and its on my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding a violation of my privacy. It has come to my attention that XXXX XXXX has accessed my private data without consent, through the Department of Education. This unauthorized access to my personal information is a serious infringement on my privacy rights. 

In addition, I will be submitting a formal complaint to the credit bureau concerning this matter, as I believe it may have implications on my financial security. 

I request that you investigate this situation thoroughly and take the necessary actions to resolve it promptly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
I cancelled the internet serive with XXXX on XX/XX/year>. XXXX proceeded to charge me even though services were terminated. I disputed the charge through XXXX XXXX  and XXXX, shortly after funds were returned to my account. Now I am seeing a third party collection company, XXXX XXXX  XXXX, trying to collect on behalf of XXXX what I do not owe. It is now negatively impactive my credit bureaus when it should not and should be removed from all three credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
To Whom it May Concern : The recent changes to the administration has led to unauthorized 3rd parties to access very sensitive information of the general public that were involved with the Department of Education ( DOE ). On XX/XX/XXXX, our sitting president has allowed an unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX group to access my and other Americans Nonpersonal Public Information ( NPI ). The Federal Trade Commission ( FTC ) defines NPI in the XXXX XXXX, which was enacted in XXXX, as any information that an individual provides to obtain a financial product or service, unless that information is otherwise " publicly available ''. Our NPI such as date of birth, social security numbers, addresses, amounts of funding provided, educational records and everything else that a citizen has provided to the DOE has been compromised by unauthorized personnel that are imitating those with the proper clearance that can access this information. This has placed us at great risk to have fraud and other compromising situations with our personal information, and under FERPA, US citizens are supposed to be protected. The Family Educational Rights and Privacy Act, is a federal law that protects the privacy of students ' educational records. Under FERPA, a violation is listed as : Failing to protect student information through data security programs, sharing student information with unauthorized parties, and including student information in shared documents or mailing lists, which is what was experienced. Due to the security breach of millions of citizens ' information, my student loans that are currently reporting should be discharged. These discriminatory actions against a class of people who used the DOE to further their education due to their social status, class, and race has got to be handled. If these loans are turned over from the DOE to a privatized lender or any other subset of the government, that is a breach of the initial contract that was signed as well and additional grounds for these loans to be discharged. I have multiple loans reporting with differing balances that can be provided once a follow up is provided. 

https : XXXX <article confirms that DOE was XXXX on XX/XX/XXXX, which is within the 180 days that complaint is supposed to be filed> https : XXXX <article confirms that access was blocked almost a month after the initial access, which means NPI has been obtained from millions>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I attempted to make a transfer of funds ( XXXX ) from one Bank, XXXX ( XXXX  ) to another bank institution Citizen. I was sent a email from citizen explaining that the transaction wasn't complete and my funds would be sent back to account at XXXXXXXX XXXX XXXXXXXX business days. On the XXXX business day I reached out to Citizen they assured me that the situation was resolved. The money would be back in account 24 hrs. Two days has past and no money in any account. I have reached out to both Banks multiple times. They are sending me back and forth saying both have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
they checked my cfpb complaint and said they paid me my {$200.00}. They did not they gave XXXX points that equivalent of {$2.00}. I cut at pasted my original complaint below. 


I signed up for the bread rewards XXXX XXXX credit card based on the {$200.00} offer. if I spend {$1000.00} in 90 days I would get {$200.00} cash back reward. I signed up on XX/XX/XXXXXXXX XXXX XXXX I spent {$1000.00} by XXXXXXXX XXXX XXXX  I paid off my credit card in full and have been waiting for my reward of {$200.00} ever since. I contacted them at least 3 times since completion and they keep giving me a different payout date estimate. I just want what I was offered at sign up. I forfilled my end its time for them to fill their end. They have the worst customer service ive ever experienced. On of the agent even tried to say I didn't meet requirements. I then proved I did and he told me I'd get it next billing period that was over a month ago. I dread tried to contact them because their phone service will hang up on you constantly forcing you to keep calling back and going through their automated nightmare of a set up. On top of all that most of their agents have such deep accents I don't understand them most of the time and they seem not to really understand my issue when I call them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 non-monetary relief
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Creditor : Mohela/Doffed XXXX Re : inquiries Dated 1st Validation letter, & 2nd Validation letter Greetings, I have previously made two separate requests for validation see attached and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claimants me, and that you XXXX records or evidence to support any claims against me once again, is clear that you have not provide me with any evidence to establish that I owe you any money. 
Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. Please be aware that should you instigate a lawsuit against me without proof that I owe you anything at all, I now have evidence that you are creating a frivolous lawsuit. 
Instigating a frivolous lawsuit may subject you to sanctions by the court, including costs, fees, and penalties. I exhort you to carefully consider your course of action from this point forward. 

Regards, 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 2025-03-13 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. These are the accounts that I have marked as inaccurate. XXXX Account with account # XXXX XXXX Account with account # XXXX XXXX Account with account # XXXX XXXX Account with account # XXXXXXXX XXXX  Auto Loan with account # XXXXXXXX XXXX Partially Secured with account # XXXXXXXX XXXX  Secured Loan with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 2025-03-13 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: Nelnet, Inc.
State: IN

Complaint narrative:
A foreign non-government entity accessed my personal private information via the department of education 's student loans services. 

This is a clear and blatant violation of my rights to only have my information shared with parties I have authorized to request that information ( i.e. via a credit inquiry ). 

I did not and do not consent to XXXX XXXX, anyone from DOGE, or any entity associated with XXXX XXXX to access my personal private information or my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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