vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX of XXXX  until XX/XX/XXXX my credit karma Money Spend account had multiple transfers to XXXX XXXX and XXXX money. I reported this activity as soon as it was noticed, which was very apparent since I only use this account two times a year and totaled over XXXX dollars. Credit karma said they would investigate on XX/XX/XXXX, and then the next day denied my transaction disputes but did not give me a reason. I provided all the information they requested, I didn't share my account information or password with anyone, it wasn't written anywhere, and I didn't make any goods purchases. I can not proceed any further because after that day I received an email saying they were closing my account, now I have no access to any of the information to try to resolve this on my own, and they will not allow me to access my monthly statements or messages to and from them documenting the issue. I have tried to speak with customer support over 10 times since then and all they say is " if I have anything remaining in the account it will be sent to the account on file '', I don't even know what that is supposed to mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER XXXX XXXX XXXX XXXX  The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER XXXX XXXXXXXX - The following personal information is incorrect - The personal data reporting is inaccurate.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: KY

Complaint narrative:
NetSpend sent a Debit Card to me with my full legal name on it stating it needed to be authorized to be used. Called to verify if this was promotion or if this was a form of identity theft. XXXX calls, multiple transfers, XXXX different answers. It ranged from " Yes its fraud and the account was closed '' to " It might be a promotion, but we can't provide you any info '' to " You need to file a police and FTC report and send us this plus your photo ID '' ( I don't know this company so why would I send them my license? ). Even though I'm physically holding this card and can provide the full number, name on file, etc. Also was told my Social Security XXXX  was used to open this account however their automated system says that XXXX  doesn't exist in their database.

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 2025-03-22 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: ID

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and TransUnion immediately block and remove fraudulent accounts appearing on my consumer credit report. These accounts were opened without my authorization due to identity theft, and under this law, the credit bureaus are legally required to take action within four ( 4 ) business days of receiving this complaint.

Fraudulent Accounts : I have identified multiple unauthorized accounts across XXXX, XXXX, and TransUnion. I did not open, authorize, or have knowledge of these accounts. Despite previous disputes, these fraudulent items remain on my report, causing financial harm. 

Fraudulent Accounts to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX ( Not mine remove immediately ) XXXX, XXXX Account XXXX ( Unverified late payment remove or provide proof ) XXXX  Account XXXX ( Must be validated per Metro 2 Compliant Standards or deleted ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account XXXX ( Fraudulent collection remove immediately ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account XXXX ( Unproven claim validate or remove under FCRA ) XXXX XXXX XXXX XXXX XXXX ) Account XXXX ( Not mine remove immediately ) XXXX XXXX XXXX  XXXX XXXX ) Account XXXX ( Potential HIPAA violation validate debt or remove XXXX XXXX  Accounts ( XXXX XXXX Account XXXX ( Not mine remove immediately ) XXXX XXXX Account XXXX ( Incorrectly reported late payments update to paid as agreed ) XXXX XXXX  Account XXXX ( Unverifiable history delete immediately per FCRA 611 ) XXXX XXXX  Account XXXX ( Fraudulent remove from report ) XXXX XXXX XXXX XXXX XXXX ) Account XXXX ( Mistaken identity my parent has the same name ) XXXX  XXXX ( CAPITAL XXXX ) Account XXXX ( Remove from public record ) These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of my consumer FICO credit report, which shows the aforementioned fraudulent items.

I do not recognize the fraudulent accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and they are all the result of identity theft and fraud.

To support this claim, I have attached a copy of my FTC Identity Theft Criminal Complaint ( Case XXXX XXXX XXXX as official proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX day of filing claim with WELLS FARGO BANK XXXX 


Claims : XXXX XXXX transactions disputing for fraud Specific XX/XX/XXXX {$9400.00} Claim was been closed. 
Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Claim : XXXX XXXX transactions This claim is amounting {$50000.00} Disputing XX/XX/XXXX Earliest transaction started from XX/XX/XXXX, XXXX XX/XX/XXXX Theres so many transactions All processed and denied to return total of calculated amount which is {$50000.00} I need support in getting my money back, and inform the credit bureau 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 2025-03-22 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX 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 2025-03-22 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX 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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Unauthorized Data Sharing & Loan Mismanagement Violating FERPA, Privacy Act of 1974, and Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against the U.S. Department of Education, Nelnet and the Department of Government Efficiency ( DOGE ) regarding the unauthorized disclosure and mishandling of my student loan data. On XX/XX/XXXX, President Donald Trump signed an executive order directing the dismantling of the U.S. Department of Education. The management of my {$32000.00} federalstudent loan for attending XXXXXXXX XXXX XXXX will now be handled by the XXXX XXXX XXXX. This is improper loan servicing practice and violates many consumer and private acts. 

These actions constitute violations of the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and my consumer rights. Following the recent executive order dismantling the U.S. Department of Education, my borrower data was improperly accessed and shared without my knowledge or consent, causing harm and undue distress.

Violations of My Rights & Mishandling of Loan Data I demand an immediate investigation into the following violations : 1. Breach of the Privacy Act of 1974 The Privacy Act of 1974 mandates that federal agencies can not disclose an individuals records without consent. However, my personal student loan data was transferred to DOGE without my prior authorization, violating federal privacy protections.

2. Unauthorized Sharing of Personal and Loan Information ( FERPA Violation ) The Family Educational Rights and Privacy Act ( FERPA ) prohibits the sharing of student education records without consent. My student loan records and financial data were accessed by DOGE without my knowledge, violating my privacy rights and increasing my risk of identity theft or misuse of my financial information.

3. Failure to Provide Proper Notice of Loan Servicer Changes I was not informed in advance that my loan servicer was changing or that my data would be handled by a different agency. The lack of transparency in this process leaves me unsure of who controls my loans, repayment status, and eligibility for forgiveness programs.

4. Deceptive and Unfair Loan Practices These administrative changes have created confusion and misinformation regarding my repayment options and forgiveness eligibility, violating my rights under the Truth in Lending Act ( TILA ) and other federal consumer protection laws.

5. Breach of Contract & Request for Loan Discharge Due to these significant violations of my privacy and consumer rights, my student loan contract has been breached. The mishandling and misuse of my personal and financial information render my loan agreement void. Therefore, I demand immediate cancellation and discharge of my student loans as corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 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: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX DATA BREACH AND SOMEONE WAS SUCCESSFUL IN USING MY SOCIAL SECURITY NUMBER TO OPEN ACCOUNTS THAT WERE UNAUTHORIZED. I DID NOT GIVE MY CONSENT TO OPEN UP THESE ACCOUNTS AND NEED THESE ACCOUNTS REMOVE IMMEDIATELY. THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE AND MY CONSUMER RIGHTS HAVE BEEN INFRINGED UPON

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 2025-03-22 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: MA

Complaint narrative:
Since XX/XX/year>, I have been trying to purchase a house and I am unable to have vendors and banks pull my Experian credit report. It has caused a substantial delay. I have mail three letters to Experian and the issue still not has been resolved. I am asking for you assistance to resolve this matter.

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 2025-03-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-24 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: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Subject : Urgent Request to Unlock My Ally Bank Accounts Dear Ally Bank Support, My name is XXXX XXXX, and I was informed two days ago that all of my Ally bank accounts have been locked, leaving me unable to access my funds. Additionally, I can not log into my Ally account at all. 

Currently, I am in XXXX and attempting to access my accounts from a XXXX IP address. The login attempt was made by me, not by any unauthorized individual. 

Please unlock my account as soon as possible so I can regain access to my rightful funds. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-22 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 resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Date Opened : 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing this formal complaint regarding the continuous and unjust reporting of late payments on my credit report. Despite my repeated attempts to resolve this issue directly with the credit bureaus and the creditors, there has been no resolution, and these inaccurate late payments continue to negatively affect my credit score. The root cause of this problem is consistent billing errors by the creditor ( s ), which have been repeatedly reported as late payments. These billing errors are not a reflection of my payment behavior or my intention to meet my obligations. I have made all payments on time ; however, the creditors have failed to correctly process these payments, leading to late payment entries on my credit report. This situation is completely unacceptable and amounts to negligence on the part of both the credit bureaus and the reporting creditors. Despite clear documentation that shows these errors are due to improper billing and not due to any fault on my part, these issues continue to be reflected on my credit report, causing significant harm to my financial standing and overall creditworthiness. I have made several attempts to have these entries corrected, but the credit bureaus have failed to take appropriate action, leaving me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation