vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
It is a bizarre situation. I have XXXX via a bank account with XXXX. I received an email from XXXX, which said that another bank reported that a credit card was approved in my name. 

I am an American by birth but have lived abroad. I repaid all my credit cards and loans over XXXX years ago with nothing opened. I have been living and teaching finance at XXXX XXXX University, XXXX since XX/XX/XXXX. Then I taught at a university in XXXX from XXXX XXXX to XXXX XXXX. Thus, I have been out of the United States since XX/XX/XXXX, I visited XXXX to see what the problem is. Then I noticed I had a credit card with Bank of America, which I did not open nor authorized. XXXX had never informed me about this credit card, but I always receive an email when the smallest details change on my XXXX. 

According to Bank of America, the credit card account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The credit limit is set at {$10000.00}. The bank also reported a payment was made on XX/XX/XXXX. I did not make this payment. 

I wrote a letter to Bank of America on XX/XX/XXXX, and sent it by registered mail. That is the only option that I have while living in XXXX. Unfortunately, this letter appears to be stranded in the U.S. postal system and has not been delivered yet. 

On the date I sent the letter, XXXX reported a balance of {$700.00}. However, Bank of America is reporting a balance of {$20000.00} on XX/XX/XXXX. 

XXXX did receive my letter to contest this account. I also placed a credit freeze on my XXXX. Unfortunately, the other letters were not delivered to XXXX and 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 monetary relief
Consumer complaint received 2025-04-08 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: CA

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX 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 - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Formal Complaint Regarding FERPA Violations and Student Loan Records Dear Sir/Madam, I am writing to formally dispute the handling of my student loan records, as I believe the actions taken by the Department of Government Efficiency ( DOGE ), led by XXXXXXXX XXXX , violate the Family Educational Rights and Privacy Act ( FERPA ) . Specifically, it has been reported that DOGE accessed student loan databases containing personally identifiable information without proper authorization, which constitutes a breach of FERPA regulations. FERPA protects the privacy of student education records and prohibits

unauthorized disclosure of such information. The unauthorized access to my records by DOGE is a clear violation of these protections.

I respectfully request the following corrective actions : 1. Immediate removal of any unauthorized access to my student loan records.

2. A thorough investigation into the practices of DOGE and its handling of student loan data.

3. Written confirmation of the steps taken to address this matter and ensure compliance with FERPA regulations. 

I have attached copies of relevant documents and references to support my complaint. 

Thank you for your attention to this urgent issue. I look forward to your prompt resolution. 

Sincerely, 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 2025-04-08 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: CA

Complaint narrative:
Formal Complaint Regarding FERPA Violations and Student Loan Records Dear Sir/Madam, I am writing to formally dispute the handling of my student loan records, as I believe the actions taken by the Department of Government Efficiency ( DOGE ), led by XXXXXXXX XXXX , violate the Family Educational Rights and Privacy Act ( FERPA ) . Specifically, it has been reported that DOGE accessed student loan databases containing personally identifiable information without proper authorization, which constitutes a breach of FERPA regulations.

FERPA protects the privacy of student education records and prohibits unauthorized disclosure of such information. The unauthorized access to my records by DOGE is a clear violation of these protections. 

I respectfully request the following corrective actions : 1. Immediate removal of any unauthorized access to my student loan records.

2. A thorough investigation into the practices of DOGE and its handling of student loan data.

3. Written confirmation of the steps taken to address this matter and ensure compliance with FERPA regulations. 

I have attached copies of relevant documents and references to support my complaint. 

Thank you for your attention to this urgent issue. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Formal Complaint Regarding FERPA Violations and Student Loan Records Dear Sir/Madam, I am writing to formally dispute the handling of my student loan records, as I believe the actions taken by the Department of Government Efficiency ( DOGE ), led by XXXX XXXX , violate the Family Educational Rights and Privacy Act ( FERPA ) . Specifically, it has been reported that DOGE accessed student loan databases containing personally identifiable information without proper authorization, which constitutes a breach of FERPA regulations.

FERPA protects the privacy of student education records and prohibits unauthorized disclosure of such information. The unauthorized access to my records by DOGE is a clear violation of these protections. 

I respectfully request the following corrective actions : 1. Immediate removal of any unauthorized access to my student loan records.

2. A thorough investigation into the practices of DOGE and its handling of student loan data.

3. Written confirmation of the steps taken to address this matter and ensure compliance with FERPA regulations. 

I have attached copies of relevant documents and references to support my complaint. 

Thank you for your attention to this urgent issue. I look forward to your prompt resolution. 

Sincerely, 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 2025-04-08 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: PA

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 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 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 2025-04-08 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: CA

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting on my credit report, despite resolving the matter with the creditor. Please find the details below : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Creditor Servicer : Halsted Financial Services As of XX/XX/year>, I fully settled the above mentioned account with Halsted Financial Services. Attached is the settlement confirmation, which clearly states that the account has been paid in full and carries a {$0.00} balance. Despite this, the account remains negatively listed on my credit report. 

I contacted Halsted Financial Services to request the removal of this account from my credit file, but no corrective action has been taken. This inaccurate reporting is unfairly impacting my creditworthiness and does not reflect my actual financial standing. 

I kindly request that the CFPB investigate this matter and assist in ensuring the credit reporting agency updates my credit report to remove this account entirely. Accurate reporting is vital for maintaining fair access to financial opportunities, and I trust the CFPB will help ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under their Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I 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 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 XXXX U.S. CXXXX XXXXb 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 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 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I noticed unauthorized inquiries on my report and fraudulent, false, and inaccurate accounts on my credit report. These accounts are listed here below. 

Inquiries XXXX. XXXXXXXX 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 XXXX XXXX XXXXXXXX Inaccurately reporting Accounts ( have Them removed ). 
1. ) Capital One XXXXXXXX for {$18000.00} XXXX. ) XXXX A mobile phone accounts XXXX Account for {$550.00} and XXXX For {$1700.00} XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXXr {$630.00} XXXX. ) XXXX XXXX XXXX XXXX for {$1100.00} and {$480.00} XXXX. ) Several Collections from XXXX XXXX XXXX {$160.00}, {$150.00}, {$670.00} {$6.00}. ) XXXX XXXX  {$150.00} and {$160.00} XXXX. ) XXXX XXXX {$550.00} XXXX. ) XXXX {$120.00} XXXX. ) XXXX XXXX XXXX XXXX {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-08 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: CA

Complaint narrative:
I dispute this charge-off as it appears to be the result of identity theft. I did not authorize this account, and I have filed a report with the Federal Trade Commission ( FTC ) regarding the fraudulent activity. Please conduct a thorough investigation and remove this account from my credit report. 

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 explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a
consumer reporting agency can not furnish any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : I appreciate your prompt attention to updating or correcting these reported accounts. If this request is not addressed, immediate corrective action will be required. Thank you. 
XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Current I am requesting a verification of all information being reported for this account. While the payment status is listed as current, I would like to ensure that the entire reporting historyparticularly any past delinquencies or data inaccuraciesis accurate and up to date. If any unverifiable or outdated information exists, please correct it in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation