vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I accidentally paid my Bank of America credit card bill twice. My statement balance was {$4700.00}. I paid it twice by accident, and contacted Bank of America on XX/XX/XXXX ( the day I discovered I had overpaid ), and was told it would be refunded directly to my bank. I asked that it be expedited given the amount of money, but was told it could only be done in 8-10 business days. I called several more times, and was not able to expedite it. In my last call, BOA told me that they had actually mailed a check, which I did not request or authorize. Yesterday ( XX/XX/XXXX25 ) was 10 business days, and I still don't have my money. This was my XXXX, 2025 statement, due XX/XX/XXXX 2025. I paid {$4700.00} on on XX/XX/XXXX and XX/XX/XXXX2025. 

BOA has been very difficult to deal with. They have kept nearly {$5000.00} of my money, and have made no effort to refund it with any urgency. For all I know, they still have not refunded it ( I have not received a check or a credit in my bank account ). I do not know what their company policy is regarding refunds of overpayment - I have not seen anything in writing that would permit BOA to keep the money and/or take this long to refund it. If I had been one day late on my cerdit card payment, they would have charged me interest immediately, but I have no similar recourse against BOA.

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 2025-04-05 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: NJ

Complaint narrative:
I noticed unauthorized inquiries on 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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
During XX/XX/XXXX, NewRes LLC aba Shellpoint Servicing ( the Mortgage Company ) improperly placed Forced Flood Insurance on my property, alleging that it was located in a Special Flood Hazard Area and my current Flood Policy was insufficient. Upon a showing, including materials from FEMA reflecting this was not accurate, the Forced Flood Insurance was removed.

I was later advised, due to a change of law, all mortgaged properties are required to have Flood Insurance Policies Escrowed. Prior to this event, there was no escrow on my account for any purpose. 

On XX/XX/XXXX, I forward a RESPA letter to the Mortgage Company, which was received pursuant to USPS Tracking on XX/XX/XXXX. Copy enclosed. Said letter explained that I believed their understanding of this law is not accurate. Pursuant to the Homeowners Flood Insurance Affordability Act, mortgaged properties that are located in Special Flood Hazard Areas are required to maintain an escrow ; however, outside such areas escrow is at the homeowners option. I advised, them in as much as my property was Not in a Special Flood Hazard Area, an escrow requirement was not appropriate, that I chose to decline the option and demanded a refund of the funds collected. 

A letter dated XX/XX/XXXX, was provided by the Mortgage Company advising they were investigating the matter. Copy enclosed. On XX/XX/XXXX, I received an Email stating a response can take upto 20 business days. Copy enclosed. This time as well as any time afforded under law to provide a response has been exceeded and to date I have yet to receive such or refund.

I am currently and have always been current on my mortgage, insurances, property taxes and HOA fees. Additionally, the property is in a good state of repair.

I request your assistance in this matter, as I believe unless an overseeing agency such as yours intercedes, the Mortgage Company will continue to flout the law, forcing myself and countless others into unnecessary Forced Insurance and or Escrow.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I have multiple issues with Zelle. Suspicious activity or transactions to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX  XXXX XXXX/ XXXX XXXX XXXX / XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
My XXXX XXXX were in deferment. XXXX did not have the correct email, phone number or address to notify me of late payments or deferment. My credit score dropped over XXXX points without my knowledge. No other information given once requested. Credit report and loans accessed without my permission

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 2025-04-05 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 writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies are a result of your recent DATA BREACH and must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ). 
Many of these inaccuracies stem from DEBT BONDAGE, I am a victim of XXXX XXXX  of DEBT BONDAGE and would like for all listed accounts and inquiries to be blocked and deleted and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. Enclosed with this letter are copies of my government-issued ID proof of data breach, SSC, to confirm my identity and residency, leaving no grounds for further delays. 

ACCOUNTS LISTED BELOW : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES LISTED BELOW XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please send all verified records that i have requested through the CFPB and certified mail to my address XXXX 

This matter is time-sensitive and requires your immediate attention. Should you fail to address this appropriately I will escalate this case. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
I have lost my wallet numerous times and strongly believe that on one of the occasions the intruder has been using my identity I am requesting that all information provided be removed ASAP this is not acceptable and against all consumer law to be able to report inaccurate information on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
I have lost my wallet numerous times and strongly believe that on one of the occasions the intruder has been using my identity I am requesting that all information provided be removed ASAP this is not acceptable and against all consumer law to be able to report inaccurate information on my credit reports

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 2025-04-05 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: NM

Complaint narrative:
The beginning of XX/XX/year>2025, I began submitting my ID, my proof of being a victim of XXXX XXXX my preferred contact method and my items to be removed from my report. I waited several weeks, I did, once about 2 weeks in, recieve an email that stated they were working on it but nothing else. Yesterday, XX/XX/year>2025, I recieved an email that they were done with my dispute. So I clicked on it. The report was exactly the same a it was before and there was nothing NOTHING stating what they did, nothing about a process used, nothing about it being denied or why, nothing about anything. XXXX INFO. THE SAME REPORT! each individual source seemed to state simply that it was accurate and staying. I'm really confused about this because this actually isn't a part of the process at all. I was asking experian directly to block these items SINCE THEY HAVE NO METHOD OR PORTAL TO SUBMIT XXXX XXXX BLOCK REQUESTS!! they should not have involved the sources at all. Ask they had to do was simply block the items.

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 2025-04-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, reports confirmed that the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, obtained access to sensitive federal agency systems, including the Department of Education. This access included student loan databases containing personal and financial data such as names, Social Security numbers, loan balances, and contact information of millions of borrowers, myself included. 

This access was unauthorized, and it violated the expectations of borrower privacy under the Privacy Act of 1974 and FERPA. In XX/XX/XXXX, a federal judge issued an emergency injunction blocking DOGE from accessing federal education data, citing risks of data misuse and privacy violations. Two investigative articles detailing these events include : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX As a result, I submitted a formal dispute to XXXX XXXX XXXX ( case # XXXX ) in XX/XX/XXXX, requesting a full discharge of my student loans due to the breach of my personally identifiable information. I included supporting documentation, including Nelnets previous XXXX breach notice, and detailed my concern about the long-term consequences of this unauthorized access. 

XXXX replied with a generic explanation of privacy policies and closed the case without addressing the substance of my claims or investigating the potential misuse of my information. 

Actions Taken : XX/XX/XXXX : Submitted formal loan dispute to XXXX XX/XX/XXXX : Received generic response ; no investigation or resolution ; case closed XX/XX/XXXX : Filed additional complaints to public officials and now to CFPB Resolution Requested : Investigate the exposure of student loan data and borrower information to unauthorized federal actors ( DOGE ) Determine whether my borrower rights under federal privacy laws were violated Require FSA or the appropriate agency to reopen and formally investigate my dispute Approve a full discharge of my XXXX XXXX XXXX  balance based on the breach of trust, unauthorized access, and failure to safeguard my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
Several Umpqua Banking products including FHA products, loans and accounts were bundled in my account by XXXX XXXX  employees, agents, details including home businesses using Social Security and XXXX letterheads in their paperwork. Umpaqua store consumer direct in XXXX WA on a address that may or may not exist listed as XXXX XXXX in XXXX and two addresses, one in XXXX and one in XXXX on XXXX in XXXX were started my Umpqua Store a branding company for printing and creating products, also a consumer direct company. The agents, retailers, use my name and information illegally to open up illegal banking products involving XXXX XXXX XXXX XXXXXXXX also a XXXX XXXX XXXX, XXXX, businesses doing business with XXXX or renting space inside XXXX. Umpaqua Bank in XXXX referring people to their friends for stealing financial information to open loans for housing and businesses in XXXX XXXX and XXXX i.e. XXXX XXXX, XXXX XXXX, Private mail delivery services, construction services, providing FHA loans to people using my information and fraundulently filing income tax returns in my name or using my information on their income tax returns. People involved in this include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX. Employees from County office, Treasury Department, DOT and DOL in XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX  in XXXX via XXXX XXXX products and services selling business 'XXXX XXXX XXXX XXXX ' products, including XXXX XXXX, using my account for those businesses illegally. Including XXXX XXXX XXXX XXXX XXXX, documentaries and actors involved in those wanting to be scam artists and perform in that to research identity theft. Using my identification to open or attempt to open and file for tribal rights, tax exemption, start a tribal business and/or open businesses for tribal exemption which do not exist in the US, using other countries ' income tax forms for XXXX XXXX IRS XXXX XXXX to Work businesses. I purchased a Cashiers Check at the XXXXXXXX XXXX XXXX for a vehicle I purchased in XXXX  and had the vehicle ownership and license plates paperwork to transfer the vehicle to XXXX  done at the DOT in XXXX XXXX XXXX at the clerks office at the DOT counter on the first floor. The people there probably stole the title and copied it. Also involved in identity theft.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-05 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:
I AM A VICTIM OF IDENTITY THEFT. MULTIPLE FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME ON DIFFERENT DATES WITHOUT MY KNOWLEDGE OR CONSENT. THESE ACCOUNTS INCLUDES A MORTGAGE, STUDENT LOAN, CREDIT CARDS, AND PERSONAL LOANS. THESE FRAUDULENT ACCOUNTS HAS CAUSED SIGNIFICANT FINANCIAL HARM, AND DAMAGE TO MY CREDIT REPORT. I AM REQUESTING THE IMMEDIATE REMOVAL AND THE BLOCKING OF THESE FRAUDULENT, ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES UNDER FCRA 605B. II SUBMITTED A VALID IDENTITY THEFT REPORT TO TRANSUNION, WHICH LED THEM TO DELETE MULTIPLE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE, INCLUDING 3 FRAUDULENT 2 XXXX  XXXX XXXX ACCOUNTS, XXXX XXXX XXXX XXXX XXXX. HOWEVER, THEY REINSERTED TWO ( 2 ) XXXX  XXXX XXXX ACCOUNTS AND XXXX XXXX AND ARE REFUSING TO DELETE THEM, STATING THE CREDITOR " MIGHT HAVE PROVIDED NEW INFORMATION.TRANSUNION STATED " THEY DON'T PROVIDE THIS INFORMATION TO THE CONSUMER, THEY NEED TO REACH OUT TO THE CREDITOR ''. THIS IS WILLFUL NON-COMPLIANCE UNDER FCRA 605B, 611, 616, AND 617. I ALSO BELIEVE TRANSUNION IS USING INTERNAL OR AFFILIATED VENDRS ( E.G XXXX ), WHICH IS NOT LEGALLY COMPLIANT UNDER611 ( a ) ( 1 ) ( A ). FRAUDULENT ACCOUNTS NEEDS TO BE DELETED.

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 2025-04-05 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT/ THE LIST OF THE ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTION CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER THE 15U.S.C 1681 AND 15U.S.C SECTION 602 AND 15U.S.C SECTION 604 UNDER 15U.S.C 1681 C SECTION NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE INFORMATION OR ITEMS OR ANY OTHER ADVERISE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH THE BY MORE THEN SEVEN YEARS I AM QUESTING THAT THESE CREDIT REPORTING AGENCY FOLLOW THE LAW ASKING FOR DELETION OF ALL NEGATIVE ITEMS ON MY CREDIT REPORTS THESE ARE THE FOLLOWING ACCOUNTS/ AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT/ THE LIST OF THE ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTION CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER THE 15U.S.C 1681 AND 15U.S.C SECTION 602 AND 15U.S.C SECTION 604 UNDER 15U.S.C 1681 C SECTION NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE INFORMATION OR ITEMS OR ANY OTHER ADVERISE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH THE BY MORE THEN SEVEN YEARS I AM QUESTING THAT THESE CREDIT REPORTING AGENCY FOLLOW THE LAW ASKING FOR DELETION OF ALL NEGATIVE ITEMS ON MY CREDIT REPORTS THESE ARE THE FOLLOWING ACCOUNTS/ AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief