vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one bank got a deposit from XXXX.office deposited it but not into my account because XXXXoffice gave me tracking number for the check and they first said the tracking number i gave was invalid so I went back to XXXXoffice and got printout of all info and had it stamped by XXXXoffice and then they said that the XXXXoffice paid me for what I was telling them I never got

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MOHELA
State: OR

Complaint narrative:
I am formally disputing the private student loan accounts reported by Mohela and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report.

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA.

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. Mohelas actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
There is multiple Inquiries that I did not do, and they have them on my Credit report. I have attempted multiple times to contact them and have them remove. However, they come back with it has been verified and 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 non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Negative reports in my credit bureaus not authorized by me

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
They dont have my name spelled correctly they dont have my corrected address They also have debts that I have no idea of and I wrote them explaining that my identity was stolen and sent proof and they will not take nothing off my credit report is stopping me from purchasing a house and a car and its messing up my financial status please help me in this manner. Ive sent plenty of certified mails with name spelled correctly and correct address that I reside at for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OK

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I was contacted by a XXXX XXXX XXXX this morning by telephone, the phone number is XXXX. His agent ID number is XXXX. He said he was with Idaho Central Credit Union working as an Underwriter for the Loss Mitigation department said that he had a government loan modification under the Pandemic, Relief Assisstance for a HELOC loan that I have out that would lower my interest rates and my loan payment. It sounded like a scam. I called the number back and left a msg, within 3 minutes he called Its really hard to get the same person that called you originally, I listened to what he was saying until he wanted information about my financials. I politely interrupted him and told him I was going to call my bank and confirm that he worked for them, he wanted to know what number I would be calling, which I didnt tell him. So I hung up the phone. I called my bank. They said it was a total scam, so Im out here letting you know that this is out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I am in the process of buying a home and recently had my lender pull my credit reports. I was in absolute shock when I realized that XXXX and/or the Department of Education had duplicated several student loans after they were transferred to Nelnet. Because of this duplication, the " Valid '' accounts were getting paid every month, but the " Collection '' accounts were not ( see attached. ) This means that on XXXX only, all of my student loans first accumulated late payments and then eventually went into a Collection status. The erroneous reporting of these accounts caused my XXXX scores to drop nearly XXXX points!! It is also negatively affecting my debt-to-income as each of the collections is over {$1000.00}. 

Per regulations set forth by the Fair Credit Reporting Act, the Bureaus and all creditors must report with 100 % accuracy. The incorrect reporting has not only caused my XXXX credit score to plummet, but it has cost me literally thousands of dollars in interest for creditors that applied high interest rates, as well as placing in jeopardy the closing of my home. If I do not receive immediate remedy I will exercise any and all legal rights I have to recoup the losses I have endured because of this outrageous error. 

I have attached multiple documents : The first is labeled Collections and these are the erroneous accounts that are reporting. The second is labeled Valid and they are the open accounts that SHOULD be on my credit report. When you compare them the Open dates are the same as well as the original loan amounts. I have also attached a screenshot of all 3 credit scores to prove that XXXX is the only bureau reporting the derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This auto loan account was included in XXXX Bankruptcy and discharged on XX/XX/year>. The information being reported to the credit bureaus inaccurately reflects an open status and balance due. The Gramm-Leach-Bliley Act protects me from unfair practices of financial institutions. FCRA REQUIRES credit bureaus to report accurate and verifiable information. Because the information being reported is inaccurate, the consumer reporting agency and the furnisher of this information to the consumer reporting agency violates the FCRA. DELETE THIS ACCOUNT IMMEDIATELY

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Formal Complaint Against Navy Federal Credit Union for Unauthorized Withdrawals and Wrongful Account Closure Access Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for wrongful account closure, unauthorized withdrawals, and improper overdraft practices that have caused financial hardship and undue stress. 

NFCU closed my checking account without valid justification after repeatedly making unauthorized withdrawals, which led to an overdraft on my account. I did not authorize these transactions, nor was I provided proper notice before my account was closed. This action has severely impacted my ability to manage my finances. 

I believe NFCU has violated several consumer protection laws, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.

This law protects consumers from unauthorized electronic fund transfers. NFCUs actions of withdrawing funds without my consent may constitute a violation of this act.

2. Regulation E ( 12 C.F.R. 1005.10 & 1005.11 ) Under this regulation, financial institutions must obtain proper authorization for electronic transactions and must promptly investigate any reported errors. NFCU failed to obtain my consent for these withdrawals and did not properly handle my dispute.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

If NFCU reported my account closure and overdraft status to credit bureaus, they may have violated the FCRA by inaccurately reporting my financial history without proper investigation. 
4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act ( 12 U.S.C. 5531 & 5536 ) NFCUs actions in continuing to withdraw funds without authorization and subsequently closing my account could be considered unfair and deceptive under federal law. 

I have attempted to resolve this issue directly with NFCU, but they have been unresponsive and unwilling to correct their errors. As a result, I am requesting the CFPBs assistance in investigating this matter and ensuring that NFCU : Provides a full accounting of the transactions that led to the overdraft. 
Reimburses any unauthorized withdrawals and fees incurred. 
Corrects any inaccurate reporting to credit bureaus. 
Provides a reasonable explanation for the account closure. 

I have attached copies of my account statements, correspondence with NFCU, and any other relevant documentation to support my claim. 

Please advise on the next steps in this matter. I appreciate your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I started to get collection call from various companies with bills from XXXX, XXXXXXXX XXXX XXXX and more. I recently found out that there was a data breach from a credit bureau a while back and my information may have been stolen. No one contacted me about this matter and I don't know how to get this rectified. I would like to have my credit history cleared so that I may my credit as well as cease the calls from debt collectors. 
Please Help.

Company response to consumer: Closed with non-monetary relief