vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-03-14 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: TX

Complaint narrative:
Recently, I conducted a review of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items. These findings indicate that your agency did not ensure the information was reported with 100 % accuracy. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S. Code 1681i ( 5 ), the law mandates that : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the investigation results. 
( ii ) Notify the furnisher of the information that the item has been deleted or modified.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I conducted a review of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items. These findings indicate that your agency did not ensure the information was reported with 100 % accuracy. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S. Code 1681i ( 5 ), the law mandates that : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the investigation results. 
( ii ) Notify the furnisher of the information that the item has been deleted or modified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
I contacted mohela who my student loan was transferred to. I asked them about the student loan forgiveness regarding the XXXX lawsuit. They couldn't specify if my loan was part of the forgiveness lawsuit. So this XXXX is dealing XXXX  with XXXX  lawsuit not really mohela. XXXX put XXXX  forbearance causing me to get charged {$3000.00} in interest. Which is what the lawsuit was about. Illegal activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally complain about a potential violation of the Family Educational Rights and Privacy Act ( FERPA ) by XXXX XXXX concerning student loan forgiveness requests. FERPA is designed to protect the privacy of student education records and grants students the right to control the disclosure of personally identifiable information ( PII ) from their education records. 

It has come to my attention that XXXX XXXX, in his capacity as a public figure and entrepreneur, may have publicly requested or used information pertaining to students ' educational records in the context of advocating for student loan forgiveness. I believe such actions, if true, could undermine the privacy rights guaranteed to students under FERPA.

The sharing of educational records without appropriate consent can lead to significant harm to students, affecting their confidentiality and potentially leading to misuse of their information. It is critical that all individuals, especially those in influential positions, adhere to FERPA regulations to preserve the integrity of student privacy.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is crucial to ensure that educational privacy is respected and that necessary actions are taken to mitigate any violations that may have occurred. 

Thank you for considering this important issue. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SD

Complaint narrative:
This past week : XXXX {$10.00} sent to Coinbase XXXX {$50.00} sent to Coinbase XXXX {$750.00} sent to Coinbase My bank XXXX XXXX has verified that all good funds have been sent to Coinbase and have cleared. 

I tried to doing several transactions on Coinbase website and nothing would work and they charged me service fees for the attempt. 

I even submitted to recieve a refund and they refuse to send it. 
I tried calling customer service and they will not answer the phone. 
All they do is send you to a virtual assistant that does nothing. 

I expect a complete refund of the {$810.00} plus a fine of {$1000.00} for wasting many hours of my time. 

thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX XXXX titled " Musk and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at ( XXXX ) XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-14 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX FIN Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-14 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: CA

Complaint narrative:
On XX/XX/year> I received an alert on myscoreiq account that I have an inquiry from XXXX XXXX XXXXXXXX XXXX regarding opening an account or credit. I called Equifax to resolve the issue but did not have action. On XX/XX/year> I sent a letter to Equifax to delete the inquiry due to i was a victim of fraud. Followed up with Equifax but said to contact the bank. On XX/XX/year> I spoke to XXXX from XXXX XXXX XXXX to send me an email regarding explaination and resolve on the incident. He asked for my email but never received and email from the company. I demand from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to delete the inquiry because I am a victim of fraudulent activity on my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, i recieved a call from a scammer claiming to be " bank of america. '' He told me that there was fraud on my account and he asked me to transfer money to balance the missing funds. He said that bank of america would refund me right away. He had access to my personal information. I sent him XXXX XXXX XXXX for {$3400.00} and XXXX for {$3000.00}, via XXXX. Bank of america was able to track down and refund {$3400.00}, but they were unable to refund the {$3000.00}. I filed a police report. The scammer was sending confirmation texts that came from the same number as bank of america. I filed a police report.

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 monetary relief
Consumer complaint received 2025-03-14 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: OH

Complaint narrative:
i have settle and paid with applied bank i paid 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have settle and paid with applied bank i paid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
This is my 5th dispute you claim the late payment was accurate but u still have not provided accurate information u updated the inaccuracies in my last dispute but there still have all wrong and incomplete and inconsistent dates across the report please reverse the account to paid as never late or delete from my file or I will be suing u in court this is the screen shot of inaccuracies u still have on there after u updated it XXXX every thing must be accurate or deleted from my file or corrected please delete late payment accout name XXXX account number XXXX Also after any reinvestagation any inaccuracies must be deleted so. Please delete the late payment this is the 5th dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
This is my 5th dispute you claim the late payment was accurate but u still have not provided accurate information u updated the inaccuracies in my last dispute but there still have all wrong and incomplete and inconsistent dates across the report please reverse the account to paid as never late or delete from my file or I will be suing u in court this is the screen shot of inaccuracies u still have on there after u updated it XXXX every thing must be accurate or deleted from my file or corrected please delete late payment accout name XXXX account number XXXX Also after any reinvestagation any inaccuracies must be deleted so. Please delete the late payment this is the 5th dispute

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the inaccurate name variation XXXX XXXX on my credit report, My accurate name is XXXX XXXX XXXX or XXXX XXXX XXXX. Additionally, my accurate address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my correct employer is Iron Bound Services. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Equifax 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Someone on XX/XX/XXXX made a fraudulent purchase of {$440.00} on my account without my knowledge. I called CitiBank in XX/XX/XXXX to dispute these charges. On XX/XX/XXXX, I received paper work from CitiBank Security Operations ( phone # XXXX ) stating that I'm responsible for this transaction. CitiBank stated that in their report that the XXXX tracking # XXXX shipping address matches the billing address. Well, the shipping address DOESN'T match the billing address. This fraudulent purchase was signed by someone I DO NOT KNOW named XXXX, left with him at the front desk. 
I filed a police report with Reading Police Department XXXX with XXXX XXXX # XXXX Assignment # XXXX. 

CitiBank is stating I'm delinquent and I have a pass due bill while this is under investigation by CitiBank and to top it all off my Credit Score dropped 64 points. THIS IS NOT FAIR! It's XXXX .... 
Since XX/XX/XXXX I have been fighting this endless cause with no end in sight. This needs attention ASAP!!!! 
They should not be allowed to get away with this. I also closed my account 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 monetary relief