vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OR

Complaint narrative:
XXXX XXXX and DOGE violated XXXX by accessing my financial records with the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Request for Identity Theft Block Under FCRA 605B To Whom It XXXX Concern, I am filing this CFPB complaint to request, under FCRA 605B ( 15 USC 1681c-2 ), that you permanently block and remove fraudulent items from my credit report within XXXX ( XXXX ) business days as required by law. 

These accounts were opened fraudulently and are the result of identity theft.The fraudulent accounts include : XXXX Bankruptcy XXXX XXXX Account # XXXX Discovered in XX/XX/XXXX ( Fraud began XX/XX/XXXX ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Balance : {$28000.00} XXXX XXXX Bank XXXX Account # XXXX Opened on XX/XX/XXXX Balance : {$600.00} XXXX Progress XXXXXXXX XXXX Account # XXXX Opened on XX/XX/XXXX Balance : {$130.00} Capital XXXX Account # XXXX Opened on XX/XX/XXXX Self Financial/Lead Bank Account # XXXX Opened on XX/XX/XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX Balance : {$420.00} XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Balance : {$1100.00} XXXX CCU Account # XXXX Opened on XX/XX/XXXX Balance : {$25000.00} Fraudulent Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attached : XXXX XXXX XXXX XXXX ( Case # XXXX ) Copy of my credit report highlighting the fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Deceptive and Inaccurate Reporting, from SECURITY CREDIT SERVICES Credit Report reporting on reporting two times on XXXX CREDIT REPORT 15 USC 1692G, 15 USC 1692B Seeking the purchase agreement if any for this alleged account. Please understand I deny any and all I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance with G.A.A.P Generally Accepted Accounting Principles. ( requested because it violates 5 USC 552a ) SECURITY CREDIT SERVICES is in direct violation 15 USC 1692e. 
False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt Please also keep in mind as you use the state statutory laws Federal statutory law, enacted pursuant to constitutional authority Please provide confirmation of this info with the company received from the alleged original party for this account, your help will be appreciated in assisting me. 

XXXX {$8600.00} XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I closed my business account, XXXX, XXXX with Bank of America. 

I spoke with customer service when closing and asked if I needed to take the money out. They advised NO and they would send me a check in my Name. 

Weeks later the check arrives and it is issued to my business name. I contacted them and asked them to issue the check in my names. They advised they couldnt. Spent countless hours on the phone. Finally tell me to go in the branch. The branch would not cash even though I have all of the info showing I am the business owner, DL and all business documentation. There advise was to try to cash it and maybe they wont catch its too a business. XXXX option was open another business account and close once I withdraw the money. I cant legally do that as the business is closed. 

I have been passed around to several departments. And the final department says I am out of the money. 


This is wrong and not acceptable. How does Bank of America issue a check to the business they know is closing. I am a sole owner and refuses to issue to me or give me any options. Basically they are just pocketing the money from my account. They issued the check and wont cash.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Diversified Adjustment Service Inc. for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding their improper reporting and collection of an alleged debt. 

On XX/XX/year>, I sent a formal Debt Validation and Cease Reporting Demand letter to Diversified Adjustment Service Inc., disputing a collection account ( Account Number : XXXX ). In my letter, I exercised my legal rights and requested full validation of the debt, including : Proof that I am responsible for the debt ( e.g., original signed agreement ). 
Complete breakdown of the amount owed, including fees, interest, and payments. 
Identification of the original creditor ( name, address, account number, and date of transfer ). 
Proof of legal authority to collect the debt, including a valid debt collection license. 
Confirmation that the debt is within the statute of limitations, with legal justification. 
Under XXXX XXXX. XXXX ( FDCPA ), Diversified Adjustment Service Inc. was required to validate the debt within XXXX  days but failed to do so. Instead, they continued collection activities and reporting to credit bureaus in violation of my rights. 

Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( FCRA ), if a debt can not be verified, the collector must cease reporting the account. Despite failing to provide validation, Diversified Adjustment Service Inc. continues to report the debt, violating XXXX XXXX. XXXX ( b ) by failing to maintain accurate and verifiable credit reporting. 

This has resulted in financial and reputational damage, as the unverified account remains on my credit report, affecting my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
XXXX XXXX XXXX has " authorized '' XXXX and XXXX XXXX  to illegally access information regarding my student loans in XX/XX/year>. In no way, shape, or form did I give permission for XXXX XXXX, an unelected employee of XXXX XXXX, to access or view my student loans. This is a violation of my rights as a citizen and violates the contract I made with the United States of America 's government regarding these loans. I am concerned that XXXX and XXXX XXXX have not only viewed my student loan data, but may have also accessed other sensitive data that may have been available due to me signing up for student loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: OR

Complaint narrative:
There wasn't a better space to make the complaint, but I am objecting to the illegal actions of XXXX XXXX and DOGE when they access my private information without the proper clearance and without my consent and without. That was against the contract made with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: ME

Complaint narrative:
XXXX XXXX and the XXXX of XXXX XXXX do not have clearance to view data on my federal student loans. This is at odds with the privacy afforded to me when signing my master promissary note. I believe that my loan information has been viewed by the this department in bad faith. My loans are currently being handled by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute certain hard inquiries that appear on my credit report, which I believe are fraudulent. After reviewing my credit report, I have identified the following unauthorized hard inquiries : Creditor Name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year> I did not authorize or initiate these inquiries, nor have I been contacted by these companies. It appears that my personal information was used without my consent, and I suspect these inquiries are a result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im dealing with incorrect information on my report that is unfairly hurting my scores and limiting my options. These errors have already caused unnecessary stress and setbacks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
Unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: AR

Complaint narrative:
was issued a new card by Direct Express on XX/XX/XXXX due to them changing my card from XXXX to XXXX. I received my new card on XX/XX/XXXX. I was sent to the verification department so I can submit additional verification to verify my identity. I have sent my XXXX issued AR Id, My birth certificate and my social security card for verification, Direct Express will not allow me to activate my card. I have been asked to submit all the information at least XXXX times and they still won't allow me to activate my card. I am now XXXX  days past due on paying my rent. I have had to borrow funds for food because of this issue. I am being threatened by XXXX to be evicted from my apartment due to non-payment, my XXXX benefits are on my card, but I have no other way to access them. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: RI

Complaint narrative:
My mortgage was recently transferred to XXXX XXXX  XXXX in XXXX. My previous servicer had my account on auto-draft. I didnt know my account was transferred to their bank because their bank was sending the statement to XXXX XXXX XXXX XXXX  and I live in XXXX XXXX  ( Im enclosing a copy of that bill. ) After receiving a call from their bank in XXXX, I made XXXX lump sum payment, updated the correct mailing address, and asked to be put back on auto draft. 

I understand the importance of maintaining accurate records and appreciate your attention to this matter. I kindly request that you investigate this discrepancy and correct my account records accordingly. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I look forward to resolving this issue promptly. --

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$11000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Closed XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage XXXX  % Balance {$1700.00} Balance updated XX/XX/XXXX Credit limit {$2200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card These lenders have accessed your credit file : XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: ID

Complaint narrative:
XXXX XXXX and XXXX  has accessed my information without my consent and is against the law.

Company response to consumer: Closed with explanation