vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 to file a formal dispute and request immediate action regarding the unauthorized use and disclosure of my federally protected student loan information, which I believe constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g and 34 CFR Part 99. 

It has come to my attention that XXXX XXXXthrough his platforms and/or influence over systems of information disseminationmay have gained unauthorized access to, disclosed, or influenced the disclosure of protected student loan information connected to my educational records. If my educational data or student loan details were accessed or disclosed without my prior written consent, this is a direct violation of my rights under FERPA.

FERPA strictly prohibits the release of personally identifiable information from education records without explicit written consent, except in limited and legally defined circumstances. Student loan records maintained by an educational institution or a financial aid office fall under these protections. Any sharing, publishing, or use of this information without my consent is not only a breach of federal law, but also causes substantial harm to my financial and personal privacy. 
Based on this violation, I am formally requesting the following : 1. The immediate removal of all federal student loan accounts from my credit reports with the major credit reporting agencies ( Equifax, XXXX, and XXXX  ), as these accounts are now legally disputable due to unauthorized exposure and mishandling of private educational data.

2. The full cancellation and discharge of my student loan obligations, as the institution or servicer responsible for protecting my FERPA-covered records has failed to do so. 
3. A written response detailing the actions being taken to remedy this violation, and all individuals or entities who had a

ccess to my records. I demand that these actions be taken within 15 business days of receipt of this letter. Failure to comply will result in a formal complaint being filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and potential legal action.

This letter serves as my official notice of dispute under both FERPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I request that this dispute be investigated and reflected on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal dispute and request immediate action regarding the unauthorized use and disclosure of my federally protected student loan information, which I believe constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g and 34 CFR Part 99. 

It has come to my attention that XXXX XXXXthrough his platforms and/or influence over systems of information disseminationmay have gained unauthorized access to, disclosed, or influenced the disclosure of protected student loan information connected to my educational records. If my educational data or student loan details were accessed or disclosed without my prior written consent, this is a direct violation of my rights under FERPA.

FERPA strictly prohibits the release of personally identifiable information from education records without explicit written consent, except in limited and legally defined circumstances. Student loan records maintained by an educational institution or a financial aid office fall under these protections. Any sharing, publishing, or use of this information without my consent is not only a breach of federal law, but also causes substantial harm to my financial and personal privacy.

Based on this violation, I am formally requesting the following : 1. The immediate removal of all federal student loan accounts from my credit reports with the major credit reporting agencies ( XXXX, XXXX, and TransUnion ), as these accounts are now legally disputable due to unauthorized exposure and mishandling of private educational data.

2. The full cancellation and discharge of my student loan obligations, as the institution or servicer responsible for protecting my FERPA-covered records has failed to do so.

3. A written response detailing the actions being taken to remedy this violation, and all individuals or entities who had access to my records.

I demand that these actions be taken within 15 business days of receipt of this letter. Failure to comply will result in a formal complaint being filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and potential legal action.

This letter serves as my official notice of dispute under both FERPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I request that this dispute be investigated and reflected on my credit files.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the XXXX of XXXX I try to initiate an international wire transfer in the Bank of America Agency located in XXXX XXXX Florida with help of the Financial Banker. 
Despite giving all the need it information at the time of the transfer as today this transfer is still on hold. The transfer was intended to be in amount of XXXX USD and was an injection of capital for an oversea company that I became partner. 
Even after several calls from that time with different departments in the BOFA like antifraud department or wire transfer department that they ask me a million of questions and all recorded lines and after all the confirmations that I give them and declaration that this transfer is in good faith and I am aware of all consequences BOFA never transfer this money they are still on hold and this create for me a big fisatvantage and I am losing this business due to the neglicence of this bank.

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 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/year> at around XXXX XXXX. central standard time, I called One Main Financial to confirm my payoff balance. I first spoke with a male that advised my payoff is {$170.00}, I educated the representative that the website showed {$85.00} and based off my experience the way interest works the balance is typically less if you are paying off a loan. I then asked to speak with a manager, and was transferred to a XXXX that advised a different amount of {$130.00}. I paid {$85.00} and when I logged out and back in, it showed a XXXX XXXX balance on the website, at that time I paid {$1.00} just to make sure everything is covered. I want to ensure that this account is closed and nothing else should be owed based off the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had looked to open a new account for XXXX on XX/XX/year> and had initially wired {$100.00} into the new account from Chase. 

The money was sent out by Chase to XXXX but the money never arrived. 

I tried calling both parties multiple times and it became a finger pointing game, Chase saying that they can not do anything because the money has left the bank and XXXX asking me to call chase back to find out where the money was sent. It was different customer service reps pushing the issue back and forth with no real resolution. All images and details have been screenshotted and attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX, XXXX, XX/XX/year> 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
On XXXX XXXX, I was notified by Cash App that my account was being permanently deactivated due to an alleged violation of their Terms of Service related to gambling activity. This accusation is completely false I have never used Cash App for gambling or ANY restricted activity. 

I immediately contacted support and repeatedly asked for clarification, including a detailed explanation and proof of any alleged violation. However, on XX/XX/year>, Cash App falsely claimed they had not heard from me and closed the case despite the fact that I had been actively reaching out multiple times to resolve the issue. 

From XXXX through XXXX, I received only generic replies from different support agents ( including XXXX and XXXX ), restating the same violation with no specifics or evidence provided. 

As of XX/XX/year>, I am now completely locked out of my account. I can not check if there are funds remaining or contact support directly through the app. 

My case number with Cash App is # XXXX. I am seeking : XXXX. A detailed explanation or proof of the alleged violation XXXX. Restoration of my account or return of any remaining funds This has been an ongoing, unfair, and unprofessional experience with no transparency or accountability. I respectfully request the CFPBs help in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Reinsertion of Previously Deleted Item ( s ) Request for Investigation and Explanation To Whom It May Concern, I am writing to formally dispute the reinsertion of one or more items previously removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts an item that was previously deleted due to a dispute, it must notify the consumer in writing within five business days of the reinsertion. 

To date, I have not received any such notice regarding the reappearance of the following item ( s ) on my TransUnion or Equifax credit report : - Creditor Name : XXXX XXXX XXXX - Date of Original Deletion : XX/XX/year> - Date of Reinsertion XX/XX/year> This lack of notification is a direct violation of the FCRA. I am requesting the following actions be taken immediately : XXXX. * * Provide a detailed explanation * * for the reinsertion of the item ( s ) and identify the party that verified the accounts accuracy.

2. * * Provide a copy of the documentation * * used to verify the reinsertion.

3. * * If this information can not be verified * *, the item ( s ) must be deleted again from my credit report.

Please complete this investigation within the 30-day timeframe required by the FCRA. I also request that you provide an updated copy of my credit report reflecting the outcome of your investigation.

Enclosed are copies of my prior dispute letter ( s ), proof of deletion, and any additional documentation supporting my case. 

Thank you for your prompt attention to this matter. I WOULD LIKE FOR ITEM TO BE REMOVED AND BLOCKED FROM BEING REINSERTED/ Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit 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 2025-04-18 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: HI

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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