vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was recently scammed on {$87000.00}. Bank of America transferred money via XXXX to XXXX XXXX to Scammer named XXXX XXXX {$3000.00} on XX/XX/XXXX and {$3500.00} on XX/XX/XXXX. Bank of America wired to XXXX XXXX {$2500.00} on XX/XX/XXXX. 
Bank of America continue to let me withdraw from my accounts large amount of cash without any inquiries or asking any questions to me. They did not even check my Identifications. 
Bank of America withdrawal without any questions as follows : XXXX : {$25000.00} from XXXX XXXX XXXX XXXX : {$7200.00} from XXXX XXXX XXXX XXXX XXXX  : {$1800.00} cash withdrawal from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$1500.00} withdrawal from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$8000.00} withdrawal from savings XXXX. XX/XX/XXXX : {$4000.00} withdrawal from savings XXXX. XX/XX/XXXX : {$4400.00} withdrawal from savings from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : {$1800.00} withdrawal from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : {$1500.00} withdrawal from XXXX XXXX XXXX XXXX XXXXXXXX : {$5000.00} from business account at XXXXXXXX XXXX XXXX Bank of america failed to protect me and continue to let me withdraw cash amount without any questions.

Please help. Thank you.

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 monetary relief
Consumer complaint received 2025-03-25 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: Nelnet, Inc.
State: MO

Complaint narrative:
I do not have a student loan. My credit report states I have. My ssn was compromised in 2024. One address on my account is incorrect. XXXX XXXX XXXX XXXX Missouri. Never lived there. There is an XXXX XXXX that lived in XXXX XXXX years ago. The city sent me a ticket and thats how I found out. As you can see from my report. I have never been late paying my bills. This account is fraudulent. I spoke with the company regarding this fraud and they were trying to get my ssn and job info. I refused to give both out. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Absolute Recovery Services, LLC
State: MO

Complaint narrative:
My identity was stolen and used to open a lease in my name. I have pulled my reports and found that a company name XXXX XXXX XXXX XXXX has an account with my personal information opened and sold inaccurate information to a third party group Absolute Recovery Service Date opened XX/XX/year> I reached out to the company with a response of accurate and this is not my account or debt. It is not accurate.

This account was opened without my consent or knowledge and I do not know of the people. I filed a police report and filed identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Barclays payment allocation policy prevents me from paying off a 0 % balance transfer unless I first pay a newer 6.99 % promotional purchase. This was not clearly disclosed, and now the 0 % balance is at risk of triggering 29.49 % interest. I made sufficient payments over 11 months, but their system blocks repayment unless I pay off newer balances first. This creates an unfair interest trap and violates TILA, Regulation Z, and promotional transparency requirements.

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 2025-03-25 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Their are inquires on my report that I did not give consent to authorize nor have knowledge of their presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Their are inquires on my report that I did not give consent to authorize nor have knowledge of their presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Nelnet, Inc.
State: NC

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity.

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX Nelnet acct # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Account Name : Avant Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Unauthorized Reappearance of Previously Removed Inquiries Formal Dispute and Request for Investigation Dear Experian, I am formally disputing the unauthorized reappearance of inquiries on my credit report. These inquiries were previously removed and have now reappeared without my consent, violating the Fair Credit Reporting Act ( FCRA ) and my consumer rights.

The following unauthorized inquiries have resurfaced on my credit report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 611 ( a ) : Failure to Conduct a Proper Investigation If an inquiry was previously disputed and removed, reinserting it without proper certification from the data furnisher violates this section.

2. FCRA 604 ( a ) : Lack of Permissible Purpose If I did not authorize these inquiries, they lack a valid permissible purpose, violating this section.

3. FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted Information Requires Notification If an item is reinserted, the credit bureau must notify the consumer within five business days, which did not happen.

Given these clear violations, I demand the following actions : 1. The immediate and permanent removal of these unauthorized inquiries from my credit report.

2. A detailed statement of the method of verification ( MOV ) used to determine the validity of these inquiries.

3. The name and contact details of the entity that authorized their reinsertion.

4. A written response within 30 days, as required by law, confirming the resolution of this matter.

Additionally, I am aware that Experian is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate disputes. If this matter is not resolved promptly, I will escalate my complaint to the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Sincerely, 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 2025-03-24 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-25 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: NV

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-03-25 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account # : XXXX XXXX Account # : - XXXX XXXX XXXX - Account # : XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX - Account # : XXXX XXXX INQUIRIES : XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/scrub>XXXX XXXX XXXX XXXX Auto Financing XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX Auto Dealers, New XX/XX/year>XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-03-25 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized need to be removed immediately : XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These inquiries need to be remove as they are unauthorized : 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 2025-03-25 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized need to be removed immediately : XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These inquiries need to be remove as they are unauthorized : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-25 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: GA

Complaint narrative:
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

15 U.S. Code 14 15 U.S. Code 16.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/year> and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

15 U.S. Code 14 15 U.S. Code 16.

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 2025-03-25 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-25 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief