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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was coerced into sending my tax money to a scammer. This particular scammer used the exact same number of the bank, they texted me like the bank and called me as gave me directions that I knew nothing of which ultimately let me to relinquish all of my funds. They bank has misled me into believing they would investigate but I was denied just after a day. Ive spoken to multiple people and gave them evidence of the situation. I would like to sue for negligence and malpractice. They have records of me calling them which is false. This could be an inside job. Its possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
XXXX XXXX has accessed my personal student loan data. It is a breach of privacy and FERPA. I have not consented to his involvement with my student loan.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative fraudulent accounts. I am filing a complaint against Experian inaccurate in my credit report. Company responding without providing evidence of a thorough investigation. The practice violates the fair Act. 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 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
DOGE and XXXX XXXX have accessed my loan information which violates the agreement.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to report a fraudulent transaction that occurred on my Wells Fargo account and to request a refund for the money that was stolen. 

On [ Date of XX/XX/XXXX ], I noticed multiple unauthorized charges of [ {$8500.00} ] on my [ checking ] account ending in [ XXXX ]. I immediately contacted Wells Fargo on [ Date of XXXX ], and I was informed that the transaction was indeed fraudulent. I reported the fraud to the bank and requested a refund of the stolen funds. 

Despite my efforts to resolve this issue with Wells Fargo, they have not refunded the money or provided any clear explanation as to why the refund has not been processed. I have complied with all necessary steps for reporting the fraud, including providing any requested documentation such as account statements and details of the unauthorized transaction. 

I have been in contact with Wells Fargo customer service multiple times, and the case reference number for this is [ XXXX ]. However, I have not received a satisfactory resolution. I believe I am entitled to a refund under the protections provided by Regulation XXXX, as I reported the fraudulent activity within the required timeframe.

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: 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: CT

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to 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
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am writing to formally report a violation of my right to privacy regarding my federal student loan information. I have reason to believe that DOGE has unlawfully accessed and viewed my student loan records and personal data without my consent. This unauthorized access appears to be in direct violation of federal privacy laws and the terms governing my student loan.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and found errors that require immediate correction.

The following item ( s ) contain inaccurate information.

In accordance with 15 U.S.C. 1681i, I request that you investigate these inaccuracies and remove or correct them as required by law.

Please conduct your investigation within the legally required 30-day timeframe and provide me with a written response regarding the outcome. If you need additional information to complete the investigation, please notify me promptly.

Additionally, if the disputed information is verified as inaccurate, please provide me with an updated credit report reflecting the corrections. If the investigation does not resolve my dispute, I request that my statement of dispute be included in my file as required by 15 U.S.C. 1681i ( b ). 
Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and found errors that require immediate correction.

The following item ( s ) contain inaccurate information.

In accordance with 15 U.S.C. 1681i, I request that you investigate these inaccuracies and remove or correct them as required by law.

Please conduct your investigation within the legally required 30-day timeframe and provide me with a written response regarding the outcome. If you need additional information to complete the investigation, please notify me promptly.

Additionally, if the disputed information is verified as inaccurate, please provide me with an updated credit report reflecting the corrections. If the investigation does not resolve my dispute, I request that my statement of dispute be included in my file as required by 15 U.S.C. 1681i ( b ). 
Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.

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 — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
XXXX has not closed and changed my Mohela or XXXX XXXX XXXX XXXX as paid. Mohela reopened it accidentally and it was already removed from my XXXX report. Please have them remove it from XXXX now. They have not responded to XXXX in the past week. The loan was already paid and closed through the XXXX program in 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 2025-03-15 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:
I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me securing housing for me and my XXXX children. I am trying to move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: DISCOVER BANK
State: NM

Complaint narrative:
Sometime around XX/XX/year>, XXXX minutes after a long shift just after XXXX in the morning, I tried to order an XXXX ride home, like I usually do, and my card was declined. After making several attempts to try to reach Discover card checking, I was unable to get ahold of anyone. Finally, after calling their credit card department, I found out that they were doing scheduled maintenance and updating their system. They were unable to tell me when the maintenance would be done or when my funds would be available or for how I would get home for that matter. After nearly XXXX XXXX of walking home, about halfway home I stopped for a moment just in time for me to be robbed for my phone, my money order for the electric bill, and the maybe {$7.00} cash inside. At this point I was at least regularly checking in with the app and the customer service hoping that it would be resolved and I could still find my way home without walking. I in fact found my smashed cell phone not two blocks away as I continued my way XXXX XXXX  home. The next day I called to see if the scheduled maintenance was done that day, and if my account balance was available. They denied having done any maintenance at all, sent me a new copy of my card and shortly after making several complaints of it they closed my account. I was just trying to spend my hard-earned money to get home after working. They offered no resolve, solution, or apology. I trusted them with my money and I feel they've betrayed me.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX 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 non-monetary relief
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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative fraudulent accounts. I am filing a complaint against Experian inaccurate in my credit report. Company responding without providing evidence of a thorough investigation. The practice violates the fair Act. 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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Received another collection letter from Resurgent Capital Services, LP for the same debt I have responded to in writing. This is XXXX  and an attempt to reset the clock on a otherwise uncollectable debt.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed i XXXXXXXX XXXX XXXX balanced {$480.00} XXXX XXXXXXXX balanced {$3800.00} XXXX XXXXXXXX balanced {$1700.00} XXXX XXXXXXXX balanced {$3100.00}

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed i XXXXXXXX XXXX XXXX balanced {$480.00} XXXX XXXXXXXX balanced {$3800.00} XXXX XXXXXXXX balanced {$1700.00} XXXX XXXXXXXX balanced {$3100.00}

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX XXXX and XXXX  have illegally accessed my student loan information through government systems they did not have security clearances for. This is a violation of the terms and conditions of my student loans, and I wish to have them cancelled because of this breach of contract in order to protect my private information from unsolicited XXXX  parties.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX  XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX/XXXX XXXX  opened on XX/XX/XXXX, and a loan account with Texas XXXX XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief