vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
In late XX/XX/XXXX XXXX declined my application for their credit card & I received my credit reports and created accounts with the credit agencies : XXXX, XXXX XXXX Equifax. There were several accounts opened in my name. I followed all of the procedures- disputed fraudulent information, place fraud alerts, froze all accounts, filed a police report, opened account with ID-Theft.gov In this case, XXXX, I have written to them three times requesting that they : Reverse the fraudulent charges & close the fraudulent account, provide documentation showing the fraudulent activity has been cleared, ensure the negative information reported to the credit agencies is removed and provide a copy of the documentation used to open this account. 

The accounts that I fraudulent accounts were opened and used between XXXX and XXXX. XXXX charged-off this account and there was - and is - a lien placed on my property. 

As you will read, XXXX, gave very odd reasons for coming to the conclusion that " the account is valid '' & " you have accepted responsibility for this account '' & this is the most confusing " we mailed the credit card statements to this address and they were not returned '' I never received any statement from XXXX ( except when they mailed a large stack of statements showing where the money was being spent. ) As far as addresses go, I have been at my address and have never used another address for over ten years. I've included a page showing many addresses in my name and in trying to dispute them the credit agencies are unable to delete them because supposedly that is how I am doing business with the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In late XX/XX/XXXX XXXX declined my application for their credit card & I received my credit reports and created accounts with the credit agencies : XXXX, Experian XXXX XXXX. There were several accounts opened in my name. I followed all of the procedures- disputed fraudulent information, place fraud alerts, froze all accounts, filed a police report, opened account with XXXX In this case, XXXX, I have written to them three times requesting that they : Reverse the fraudulent charges & close the fraudulent account, provide documentation showing the fraudulent activity has been cleared, ensure the negative information reported to the credit agencies is removed and provide a copy of the documentation used to open this account. 

The accounts that I fraudulent accounts were opened and used between XXXX and XXXX. XXXX charged-off this account and there was - and is - a lien placed on my property. 

As you will read, XXXX, gave very odd reasons for coming to the conclusion that " the account is valid '' & " you have accepted responsibility for this account '' & this is the most confusing " we mailed the credit card statements to this address and they were not returned '' I never received any statement from XXXX ( except when they mailed a large stack of statements showing where the money was being spent. ) As far as addresses go, I have been at my address and have never used another address for over ten years. I've included a page showing many addresses in my name and in trying to dispute them the credit agencies are unable to delete them because supposedly that is how I am doing business with the creditors.

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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
The collection account on my credit report does not belong to me. I do not recognize this account and have no association with it. I request an immediate verification and removal of this account from my credit report. 

Please confirm receipt of this message and provide the next steps to resolve this dispute. 

XXXX XXXX XXXX ; account # XXXX {$580.00} ( XXXX XXXX XXXX ). 

XXXX XXXX XXXX : account # XXXX {$410.00}

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: MOHELA
State: IN

Complaint narrative:
My personal and financial information was compromised without my permission, by allowing XXXX XXXX and Dodge free access to my information Without my permission or knowledge. The Family Rights and Privacy Act protects the Confidentiality of Student Records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information was comprised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this report to address incorrect details on my credit report. Equifax confirmed a system error that leaked my personal info, which was then misused. I've been denied credit as a result, and I request a resolution within XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
XXXX XXXX and XXXX  illegally accessed my personal data without my permission.

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 — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delte the account mention with in 4 buisness days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my Bank of America debit card transactions were being declined, so I contacted Bank of America for assistance. I informed them that I was traveling, and after verifying my identity, they assured me that my debit card would work properly. After this, I successfully completed a transaction, and the card appeared to be functioning correctly. 

However, the issue occurred again on XX/XX/year>, when I attempted to pay a fee to enter XXXX XXXX in XXXX so that I could board my flight. My debit card failed again, despite making over XXXX attempts to approve the transaction through the app and calling Bank of America for assistance. When I called, they assured me again that my debit card should be functioning, but it did not work. As a result, I missed my flight and was forced to pay {$640.00} for a new ticket. 

On XX/XX/year>, I called Bank of America to request compensation for the missed flight. I was informed that someone would follow up with me, but I did not receive any response. I called again on XX/XX/year>, and they declined to offer any resolution.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im reaching out because I discovered inquiries from your company on my credit report that I never approved.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I submitted a previous complaint ( see complaint # XXXX ). They acknowledged receipt of this complaint in XXXX, then submitted to you that they provided me a response directly and closed the report. This was a lie, they did not send me anything directly. They cold called me one time when I wasn't at home and demanded that I provide the case number to speak to me further, which I didn't have available. They've been uncommunicative since.

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: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
l am writing to formally dispute my student loan ( s ) due to a breach of my personal and financial information, which directly violates the Higher Education Act, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that my private student loan information was accessed, shared, or disclosed without my knowledge or consent, constituting a serious violation of my rights under federal law. 
Specifically, I believe that the actions taken by DOGE including but not limited to XXXX XXXX and/or any associated organizations have compromised my personally identifiable information ( PII ) in a manner that is unlawful and harmful. This breach has placed me at risk of identity theft, financial fraud, and other damages, which are in direct violation of my rights as a borrower. 
Under FERPA and the Privacy Act of 1974, I am entitled to full protection of my educational records, including financial aid and loan information. Any unauthorized disclosure or misuse of such data is a legal violation and calls into question the validity and enforceability of my student loan ( s ). Additionally, under the Higher Education Act, loan servicers and federal agencies are required to maintain strict compliance with borrower rights, a standard that has not been upheld in this case.

Given these violations, I am formally requesting : 1. A full investigation into the unauthorized disclosure of my student loan information.

2. A complete audit of my loan records to determine the extent of the breach.

3. A hold or discharge of my student loan ( s ) while this matter is being resolved.

4. Written confirmation of the steps taken to remedy this issue and ensure compliance with federal law.

If this dispute is not resolved within 30 days, I will escalate this matter by filing formal complaints with the U.S. Department of Education, the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and relevant legal authorities. Additionally, I am prepared to take legal action if necessary to protect my rights and seek damages for any harm caused by this breach. 
Please provide a written response detailing your investigation and resolution of this matter as soon as possible. I appreciate your prompt attention to this matter and look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Waking up to a debt that isnt mine has been beyond frustrating and overwhelming. I never agreed to this, yet Im being bombarded with relentless calls, messages, and threats of legal action for something I have no connection to. As someone who has always acted responsibly, its infuriating to see my name tied to an unverified account thats harming my financial standing. This situation has caused immense stress, sleepless nights, and a huge burden on my well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new complaint to XXXX cfbp I am waiting for XXXX refunds from XXXX {$800.00} and {$270.00} they was both was refund XX/XX/XXXX and the customer support told me in lost of card prevented department I wont get the refund of my account being closed it will be retuned back to XXXX company I need yall to add both refunds to my account when yall do get it dont return both payments or send me a check in the mail for both amounts to XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX or dispute both payments for me and then give me the decision for them saying I never received credit if it is denied appeal it to be reopen and investigation it again or investigate it again because I disagree with the decision and then give me the new decision for it when it is reopen and investigation for both payments and give me the claim number for both payments or give me a onetime credit for both payments in a check to my address I provided because I really need both payments back and also review my account when I will get the {$300.00} promotion credit to my account because I already meet the requirements for it the deadline was XX/XX/XXXX so add it to my account or give me a XXXX time credit for it and send me a mail check to my address and also rush investigation all my open claims disputes that is still open and also reopen or appeal to be reopen any denied disputes claims or claims for anything like XXXX to be reopen and investigation again and also reopen or appeal to be reopen any open claims or open disputes claim that get denied to be reopen too and investigate again and provide me a new decision for all of them when they all get a new decision for it because I disagree with the old decisions on all of them or give me a onetime credits for all of them because I really need my money back and send me a check to my address for all my amounts because I need the disputes and claims disputes to be done asp by rushing the investigation if you can and I need my money asp and send me proof of the account being closed out for checking account number and saving account number and checking account number is XXXX and saving account number is XXXX and send me my amount I have in saving account and in checking amount and tell me if the {$300.00} was awarded or not to me with proof and if not give me a onetime credit for {$300.00} with proof in a check to my address because I meet the requirements and was promised for it etc.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I have {$75.00} in American Express prepaid gift cards that are being declined for purchases less than the balance and at stores that accept American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Spoke with customer support and was told I had to just stay on waitlist. When I inquired why some people don't have to be on a waitlist at all they said oh well and could not provide any information other than you are on a waitlist. My friend was invited immediately and did not have to be on a waitlist at all. I was not denied, just said I have to remain on waitlist for a year at least. This sounds like unfair practices that some people have to be on a waitlist and others do not and this has nothing to do with credit scores or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It has come to my attention that your company has placed multiple inquiries on my credit report without my permission.

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 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My loan was transferred from SPS to XXXX XXXX XXXX within the past 30 days. I was in the process of a loan modification with SPS, but communication ceased once the transfer occurred. I reached out to XXXX, who is handling my account, to inform her that the home has been on the market and that we now have a buyer. 

However, I am unable to access my account online or by phone, preventing me from viewing my payoff amount or making a payment. XXXX responded that XXXX XXXX XXXX will not accept a short sale and intends to proceed with foreclosure unless the account is brought current. 

At this point, I have no clarity on my outstanding balance or how to make a payment. The buyers offer should be sufficient to pay off the loan, but I need someone to communicate with me so we can move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went to capital one cafe to deposit a check I got from an insurance company for totaling my vehicle. I was giving a claim # because my check got stuck in there ATM and I was given provisional credit of {$2900.00} days later on the XXXX. Almost 2 months passed and I got another email on XX/XX/XXXX about my claim saying my claims been denied because Our review of the ATM systems and records show the check did not meet Capital One acceptance criteria. I called customer support and they said they just had to verify the check to close the claim and fix things. I provide them with the phone numbers of the insurance company and claim #, they put us on a 3 way call and started the verification process. Because I printed the check and was supposed to mobile deposit it the server charged a fee and that caused capital one to believe the check was fraudulent because the amount the insurance company had given on there end was {$2900.00}. On XX/XX/XXXX they posted the credit reversal. I reached out via phone 6 times between XX/XX/XXXX and Today, XX/XX/XXXX. Nothing has been done to verify my check even my attempts to explain and confirm with the insurance rep has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items.

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief