vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: OR

Complaint narrative:
I, XXXX ; XXXX, am reporting a serious issue of being denied access to my XXXX account despite providing full verification and following all instructions given to me by customer service. 

On XX/XX/XXXX, I was informed that there was suspicious activity on my account and that I needed to verify my identity. I provided my Social Security number and PIN to the representative. At that point, I was asked to submit a copy of my government-issued ID, which I initially challenged because I had already verified the account through other secure means. I asked to speak to a supervisor, but the representative refused to transfer me and instead hung up the call. I admit I may have used some frustrated language during that call, but I never directed it at the representative personallyI was expressing general frustration at the situation.

That first call lasted over an hour on hold before anyone answered. I called again later that night and waited on hold for over an hour and a half with no response whatsoever. 

On XX/XX/XXXX, I called again in the morning and spoke with another representative. I again asked to speak to a supervisor. After another hour on hold, I was finally transferred. The supervisor told me I needed to comply with ID verification. At that point, I agreed and submitted my ID twice, back-to-back. 

Despite doing exactly what was requested, their system marked both submissions as failed, even though my ID was valid and clearly readable. I was told that because their system failed to verify it, the matter had to be escalated and no one would be available to assist me further until Monday, XX/XX/XXXX. 

On XX/XX/XXXX, I received an email asking for verification again. When I called to follow up, I was placed on hold once again. After finally getting a representative, I asked to speak to a supervisor and was told I would receive a callback. I explained I had already been on hold for over an hour, and that I would rather stay on the line. The representative pretended not to hear me, and then hung up the call. 

Conclusion : I have submitted everything requested. I have complied multiple times. Ive waited hours on hold, only to be disrespected, ignored, and denied access to my own funds. Their systems failure to verify a perfectly valid ID should not result in me being cut off from my money. This is now causing financial harm, emotional distress, and placing a burden on my ability to provide for my family. 

I am demanding immediate release of my funds and full reinstatement of account access. If this is not resolved without further obstruction, I will pursue regulatory complaints, legal action, and seek restitution for any and all damages caused. 

Respectfully, XXXX XXXX XXXX Phone XXXX XXXX Email : XXXX Account # : 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 2025-04-14 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Complaint Category : Credit Reporting Issue : Improper use of my credit report Sub-Issue : Credit reporting company provided information to someone without a permissible purpose Complaint Narrative : I am submitting this complaint due to multiple unauthorized hard inquiries that have appeared on my credit report from several financial institutions. I did not apply for credit, authorize these inquiries, or have any dealings with the companies listed. These inquiries appear to be the result of identity theft. 

The following companies made unauthorized inquiries on my credit file : ADV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated or authorized by me. I did not submit any applications or give consent for these companies to access my credit information. Their actions are a violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose and consumer authorization before a credit inquiry can be made.

I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am working to correct the damage done. I am also contacting the credit reporting bureaus to place a fraud alert and request removal of the inquiries.

I am requesting the CFPB assist in ensuring that these inquiries are properly investigated and removed from my credit reports. I am also requesting that the institutions listed above provide evidence of my authorization or application which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : FORMAL DISPUTE AND DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES PURSUANT TO FCRA 1681b AND 1681i To Whom It May Concern, This letter serves as a formal dispute of multiple unauthorized hard inquiries listed on my Experian credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, which prohibit the furnishing of a consumer credit report except under specific and lawful circumstances, such as with the consumers knowledge and permissible purpose. 
Upon recent review of my Experian credit report, I noticed a number of hard inquiries that I never authorized, nor did I apply for credit, loans, or any services that would warrant these inquiries. Please see the list below : ________________________________________ FRUADULANT ACCOUNTS AND Unauthorized Hard Inquiries on Record with Experian!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-14 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: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally assert that my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974 have been violated in relation to the handling, disclosure, and maintenance of my student records and loan information. As a result of these violations, I am requesting the immediate discharge and removal of all associated student loan debt from my credit profile and all relevant loan servicers, including but not limited to Nelnet. 

Specifically, I believe that : 1. Under FERPA, my educational records were disclosed without my explicit written consent to parties or entities not entitled to access under the law, thus violating my federally protected privacy rights. 
2. Under the Privacy Act of 1974, the federal agencies or third-party loan servicers failed to ensure that my personal data and financial information were maintained with proper safeguards, or were used in a manner inconsistent with the purposes for which the data was collected. 

These violations have had a direct and adverse impact on my financial standing, credit report, and overall well-being. I therefore request the following : Full discharge of all federal and/or private student loan debt ; Removal of all associated derogatory information from my credit reports across all major bureaus ( XXXX, XXXX, XXXX ) ; Immediate cease and desist of any collections or loan servicing activities related to the accounts in question. 

Please consider this a formal request for investigation and resolution under the rights afforded to me by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I performed an ROV for an appraisal of my home that came in at {$200000.00}. I just had my home appraised 2 months prior at {$270000.00}. The most recent appraisal used homes that were not comparable to mine. 3/5 properties he listed as comparable were rehab homes in need of major repairs. He left out improvements made to my home. A home across the street from mine just sold for {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
I sent a family member {$50.00} and asked for it back and they refused. I ended up logging back in and my account was closed. They claimed that it was fraudulent but it wasnt. I havent been able to access my account and I was using it for my baking business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt ( Remove all Inquiries ) - 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 2025-04-14 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from XXXX, Equifax, and TransUnion contain inaccurate and unauthorized personal information, including names, addresses, and places of employment that do not belong to me. 

These errors are not connected to any credit accounts I have opened, and I have never used these names, lived at these addresses, or worked at the listed employers. This misinformation is damaging to my credit profile and could be linked to reporting errors, mixed files, or identity confusion. 

I have attempted to resolve these issues directly with the credit bureaus, but the incorrect information has not been fully corrected or removed. 

I am requesting assistance from the CFPB to ensure the credit reporting agencies properly investigate and permanently remove the inaccurate data from all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., regarding the inaccuracies I have identified in my credit 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 2025-04-14 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Call collection services has told the CFPB that they would remove and had requested these items to be removed from my credit report, but the collection still appears on all three of my bureaus, which is a direct violation of the FCR a paragraph 605 paragraph B, as of todays date, it appears on all three of my credit bureaus and the company refuses to speak to me or return my calls or emails they have since now started going after my wife as a cosigner and she also had her identity stolen I will be attaching a copy of the report from the FTC. This company has lied to the CFPB and is continuing to pursue this debt by reporting and collection attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I discovered a {$32000.00} XXXX  partial claim lien by PennyMac on my property during a refinance attempt, preventing me from refinancing to pay off debts unless the lien is cleared. 

They havent been very transparent about it and Ive spoke to numerous people. When I suggest getting a lawyer they kinda chuckle like its funny. I honestly dont think this situation is remotely funny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-04-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief