vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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 am filing a formal complaint regarding unauthorized access to my XXXX  loan records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX loan data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX loan data. 

Please provide a written response detailing your findings and next steps.

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 2025-02-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized access to my XXXX XXXX records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX  loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX loan data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX loan data. 

Please provide a written response detailing your findings and next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized access to my XXXX XXXX XXXX violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX XXXX details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX XXXX data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX XXXX  data. 

Please provide a written response detailing your findings and next steps.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter with a check from Bank of America compensation for my account being on hold they stated on letter if my financial harm was more then the check issued I can request a second irp check at XXXX just provided the proof .which I did and I was denied

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 2025-02-20 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: IL

Complaint narrative:
Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX loan XX/XX/XXXX from XXXXXXXX XXXX who sold the loan before my first payment due. I have a huge overage in my escrow account as of XX/XX/XXXX, but no escrow analysis has been completed. Called to ask about that but was told that it would be around the one year mark. So I decided I wanted to just completely remove escrow because I dont appreciate them holding my money hostage. According to my payment history and application of additional principal monthly, paying my own taxes and insurance should not be a problem when I owe less than 30 % of the loan. I filed for request to remove early XX/XX/XXXX. I applied and waited for the response denied because loan was not 12 months old. I thought ok, Ill just wait until XX/XX/XXXX but turns out, Im being told by customer service XXXX cant reapply for escrow removal until XX/XX/XXXX. XXXX, the escalation manager hung up on me XXXX In the meantime, Im requesting a list of terms or conditions that a borrower had to meet before wasting time to request escrow removal- they are unable to produce this. I dont think it is fair there is not a clear list and how I have to wait until XX/XX/XXXX. I cant control when my loan is sold or bought by another company. At this point, I feel that PHH just pulls conditions out of thin air, while earning interest on my escrow money.

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 2025-02-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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:
XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co Account XXXX XXXX {$10000.00} XXXX XXXX and co XXXX Account number XXXX {$2100.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-02-20 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co Account XXXX XXXX {$10000.00} XXXX XXXX and co XXXX Account number XXXX {$2100.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-02-20 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Westlake Services, LLC
State: NJ

Complaint narrative:
The credit bureausXXXX, XXXX, and XXXXhave violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. 6801 ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
First of all let me start by saying I tried to return the vehicle within the 3-day period allotted by law. I started having problems with the truck almost immediately after leaving the lot. I spoke with the owner and was told to bring it several days later which subsequently left me with no recourse of the 3-day rule. The finance department did not fully disclose finance charges. Subsequently the truck continued to have problems with failure of dealership to fix the problems. It had warranty left on it but was never utilized because the dealership always found a problem that was not covered by warranty. I reached out to Credit Acceptance numerous times and told them the situation. They never once seemed concerned about the condition of the truck I was paying for. I put {$30000.00} down on this truck and finance XXXX. Now please understand I made the decision not to pay for the truck because I had problems since day one and eventually quit running because no one would take responsibility in repairing the issues which I complain about numerous times to the dealership and to the financial company. So now my truck has been repossessed it's placed me in a financial hardship. I honestly blame it on the dealership which would be XXXX XXXX XXXX XXXX because I tried to turn it back in by the third day and was denied from the dealership. Owner 's name is XXXX XXXX in XXXXXXXX XXXX. The company is XXXX XXXX XXXX XXXX. I'm sure I will not get any resolutions by following this complaint I just don't want someone else to fall pray to this egregious act from the dealership. Thank you for your time XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My American Airlines Aviator card issued by Barclay 's was charged {$2800.00} on XX/XX/XXXX. I did not make this charge. I reported the charge to the credit card company and received a new card. 
On XX/XX/XXXX, Barclays informed me that " documentation '' from the merchant showed the charge is legitimate and they reinstated the charge to my card. 
When I called Barclays on XX/XX/XXXX, they gave me the website where I supposedly placed the order and the IP address from which I supposedly place the order. 
When I investigated the website, I learned that it does not exist and never existed. The IP address arose from a different city from my residence or work. In addition, the products that I supposedly ordered do not exist. Of course, I never received any merchandise. 
When I informed Barclays about this information, they stated that I need to pay the charge. 
I did not make the order, the order is completely fraudulent, and I never received any merchandise. Barclays is violating their No Fraud guarantee and should not be permitted to make me pay for this.

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