vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-15 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: PA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Violations of FERPA, FCRA, and Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for violating my consumer rights, including those protected under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX has compromised my personal and financial information in ways that are deeply concerning and unacceptable. 
Summary of Complaint : I have reason to believe that XXXX has mishandled, disclosed, or failed to protect my private informationspecifically information that includes education records, Social Security number, loan account data, and/or credit-related detailswithout my proper authorization or in a manner not permitted under FERPA or FCRA. 
Violations : FERPA Violations : - Unauthorized disclosure of personally identifiable information ( PII ) from my education records. 
- Failure to provide access logs or notification regarding who accessed or shared my information. 
- Transmission of information to third parties without my consent. 
FCRA Violations : - Potential inaccurate or negligent reporting of credit information. 
- Failure to safeguard my credit data or correct disputed entries in a timely manner. 
Requested Action : Due to the severity of these violations and the risk posed to both my personal privacy and financial well-being, I respectfully request the full cancellation of my student loan with XXXXXXXX XXXX actions ( or inaction ) have created a breach of trust and failed to uphold obligations under federal laws protecting my data and financial rights. 
I also request : - A full investigation by the CFPB into XXXX handling of my personal data. 
- Identification of any unauthorized data sharing or breaches of confidentiality. 
- Suspension of collection activity and correction of credit reports until the matter is resolved. 
- Written confirmation of all findings and final resolution, including cancellation of the loan. 
Thank you for your time and attention to this matter. I trust the CFPB will act in accordance with its mission to protect consumers from abusive financial practices.

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 2025-04-15 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: PA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Violations of FERPA, FCRA, and Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for violating my consumer rights, including those protected under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX has compromised my personal and financial information in ways that are deeply concerning and unacceptable. 
Summary of Complaint : I have reason to believe that XXXX has mishandled, disclosed, or failed to protect my private informationspecifically information that includes education records, Social Security number, loan account data, and/or credit-related detailswithout my proper authorization or in a manner not permitted under FERPA or FCRA. 
Violations : FERPA Violations : - Unauthorized disclosure of personally identifiable information ( PII ) from my education records. 
- Failure to provide access logs or notification regarding who accessed or shared my information. 
- Transmission of information to third parties without my consent. 
FCRA Violations : - Potential inaccurate or negligent reporting of credit information. 
- Failure to safeguard my credit data or correct disputed entries in a timely manner. 
Requested Action : Due to the severity of these violations and the risk posed to both my personal privacy and financial well-being, I respectfully request the full cancellation of my student loan with XXXXXXXX XXXX actions ( or inaction ) have created a breach of trust and failed to uphold obligations under federal laws protecting my data and financial rights. 
I also request : - A full investigation by the CFPB into XXXX handling of my personal data. 
- Identification of any unauthorized data sharing or breaches of confidentiality. 
- Suspension of collection activity and correction of credit reports until the matter is resolved. 
- Written confirmation of all findings and final resolution, including cancellation of the loan. 
Thank you for your time and attention to this matter. I trust the CFPB will act in accordance with its mission to protect consumers from abusive financial practices.

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 2025-04-15 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: PA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Violations of FERPA, FCRA, and Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my consumer rights, including those protected under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX has compromised my personal and financial information in ways that are deeply concerning and unacceptable. 
Summary of Complaint : I have reason to believe that XXXX has mishandled, disclosed, or failed to protect my private informationspecifically information that includes education records, Social Security number, loan account data, and/or credit-related detailswithout my proper authorization or in a manner not permitted under FERPA or FCRA. 
Violations : FERPA Violations : - Unauthorized disclosure of personally identifiable information ( PII ) from my education records. 
- Failure to provide access logs or notification regarding who accessed or shared my information. 
- Transmission of information to third parties without my consent. 
FCRA Violations : - Potential inaccurate or negligent reporting of credit information. 
- Failure to safeguard my credit data or correct disputed entries in a timely manner. 
Requested Action : Due to the severity of these violations and the risk posed to both my personal privacy and financial well-being, I respectfully request the full cancellation of my student loan with XXXXXXXX XXXX  actions ( or inaction ) have created a breach of trust and failed to uphold obligations under federal laws protecting my data and financial rights. 
I also request : - A full investigation by the CFPB into XXXX handling of my personal data. 
- Identification of any unauthorized data sharing or breaches of confidentiality. 
- Suspension of collection activity and correction of credit reports until the matter is resolved. 
- Written confirmation of all findings and final resolution, including cancellation of the loan. 
Thank you for your time and attention to this matter. I trust the CFPB will act in accordance with its mission to protect consumers from abusive financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A few months ago, I lost my wallet, which contained my Wells Fargo debit card along with a note that had the PIN. Shortly after, someone deposited fraudulent checks into my account and withdrew funds. I reported the incident to Wells Fargo, but they denied my claim stating that the PIN was written down. However, I believe the use of fake checks and the subsequent withdrawals clearly indicate unauthorized criminal activity. 

Later, when I received my direct deposit paycheck, it was used to cover the negative balance caused by the fraud. As a result, I lost my entire paycheck and the bank offered no further support or protection. 

What I want the company to do : I am requesting that Wells Fargo reopen my case, investigate the fraudulent check deposits and withdrawals more thoroughly, and reimburse me for the losses. I also request better consumer protection in situations like mine.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I thought I was paying for a tattoo deposit than the artist rescheduled my tattoo 2 times then offered me a skip fee to secure my tattoo then I paid it and found out he really wasnt a tattoo artist.His XXXX account was suspended also so I know he was a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: VI

Complaint narrative:
Opened an investment account with Robinhood for both crypto and traditional stock trading as well as savings investment account. Suddenly they informed me that due to suspicious activity, my account was restricted until they could investigate. They continue to push back date that they say account will be unrestricted. I've supplied them with all documents they requested and still they refuse to release restrictions. I can't access my money or transfer any funds. I want my money out of their accounts. This a a complete scam and now they won't let me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 am disputing a repossession account being reported by XXXX XXXX on my credit report. The account shows a balance of {$7000.00} with a repossession status that was updated in XX/XX/XXXX, but it is listed as past due as of XX/XX/XXXX, which is confusing and inaccurate. 

I have never had an account with this company, never signed any agreement, and never authorized any transaction. I formally disputed this entry with the credit bureaus and demanded verification. However, no documentation proving the validity of this debt has been provided. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 602A, which protects consumers from unverified and inaccurate reporting, and 611, which requires credit bureaus to conduct proper reinvestigations. 

I am asking the CFPB to investigate this matter and enforce my rights. I request that XXXX XXXX and any involved credit bureau be held accountable for failing to meet legal obligations. This incorrect information is harming my credit and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX AUTO # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MD

Complaint narrative:
MOHELA claims they sent notice by mail that my federal student loan was exiting forbearance. However, I never received this letter, and was not made aware that I needed to take action or that I would be reported 90 days delinquent. 

I had been in long-term forbearance and had no prior indication that the status had changed or that I would be penalized. I only learned of the delinquency after it hit my credit report on XX/XX/XXXX. 

I requested a goodwill adjustment, offered to bring my account current, and explained that I would have resolved the issue immediately if I had known. MOHELA declined to assist, stating that the delinquency would remain. 

This delinquency has seriously damaged my credit score and my ability to secure a mortgage, and I was not given a fair opportunity to avoid this. I am requesting the CFPB assist in reviewing this case and requesting removal of the negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Point Digital Finance, Inc.
State: MN

Complaint narrative:
Point Digital Finance , inc . Invested {$57000.00} in my home based on low estimate of approx. {$210000.00}. in XXXX as a " risk value ''. This was close to county assessed amount. 
Now I sold my home home and they want me to pay {$100000.00}. Double what they inested in just a short time. They had their appraiser appraise my house and he appraised it at {$290000.00}. Which is way over county assessed value of {$240000.00}. I believe they are taking advantage of a senior who worked hard to get and keep her home maintained. They are taking all of my profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I took a loan In late XXXXXXXX XXXX XXXX I had just been removed from my home by my spouse and admittedly was a wreck and spent most of the process crying. As it was explained I was accepting a {$4300.00} loan and would be paying XXXX a month for 60 months with an interest of 35.99 % and would be repaying about {$1500.00} more than the loan amount back. As seen in the uploaded photo- the XXXX amount is what was repeatedly told to me that I would be paying back. This is what was reiterated to me while I was signing the papers. Now my statement is just under XXXX. More than double what was borrowed. During my crying/signing of papers the agent did many sign here. Initial here things and this amount was NEVER said to me or I never wouldve taken the loan. This is more predatory and misleading than ANY payday loan or scam Ive ever been offered. They shouldnt be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I got a notification that a collection was place on my credit report from XXXX XXXX XXXX for XXXX XXXX on Alpha in the amount of {$70.00} I never heard of this place I have never lived at this place nor have I never seen this place nor does this account belong to me I have tried disputing this account with XXXX, XXXX and XXXX and they have denied my dispute I do not own this account because I never been to said property and needs this removed off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid for all my purchases. Purchases were few and low amounts, like a {$14.00}. cat food purchase. I was a few hours late in making a payment and now they added late fee and interest every month -- now for several months which now is {$190.00}. ( all late fees and interest ). They said they would do this forever. I am an XXXX XXXX XXXX XXXX XXXX XXXX I called many times and asked them to please take off these fees and interest. They cancelled my Target credit card and I also cancelled it. This whole thing is upsetting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
I am filing a complaint regarding a closed XXXX XXXX account that is being reported inconsistently across the three major credit bureaus.

Experian shows 13 late payments Equifax shows XXXX  late payment TransUnion shows XXXX  late payments This is the exact same account, yet each bureau is showing a different payment history. That violates the Fair Credit Reporting Act ( FCRA ), which requires all consumer data to be accurate, complete, and consistent. 

I have disputed this account with all three bureaus, and these inconsistencies have not been corrected. If they can not verify the late payment history uniformly across all bureaus, I am requesting that the account be fully deleted from my credit reports.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint regarding a closed XXXX XXXX account that is being reported inconsistently across the three major credit bureaus.

Experian shows 13 late payments Equifax shows XXXX  late payment TransUnion shows XXXX  late payments This is the exact same account, yet each bureau is showing a different payment history. That violates the Fair Credit Reporting Act ( FCRA ), which requires all consumer data to be accurate, complete, and consistent. 

I have disputed this account with all three bureaus, and these inconsistencies have not been corrected. If they can not verify the late payment history uniformly across all bureaus, I am requesting that the account be fully deleted from my credit reports.

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 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
{$380.00} was fraudulently pulled from my bank account XX/XX/ 2025, without my authorization, and for a loan I had already made my applicable payment for. I was told by SOFI this charge was reversed on XX/XX/2025. However I have yet to see these funds deposited back into the account they were taken from. When I inquired because I did not see any evidence of this refund I was told I could expect to see these funds in my bank account by XX/XX/XXXX at the latest, and again waited for the refund, but still have not received a refund and the original unauthorized charge on XX/XX/XXXX is still attached to my bank count. I have reached out numerous times over numerous weeks via email and phone to check the status of this refund, and I have been lied to about the status and when I can expect my refund. I am usually told the team is working on the refund on the back end and to check in on the refund in an additionally 5-10 business days - unsurprisingly the refund never appears. Sofi also refuses to provide any sort of confirmation code for the refund so I am unable to inquire with my bank for the refund they claim was processed, but can not validate. At this point it has been close to two months since I was incorrectly charged and have still not been refunded my money or provided any information that can help me track the status of my refund. I never agreed for this money to be removed from my bank account or to give Sofi this interest free loan and would like my money back.

Company response to consumer: Closed with explanation