vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I have an XXXX XXXX account reporting to my credit report as a collection account. The balance is reporting at XXXX XXXX This debt was sold to 3rd party creditor CREDENCE MANAGEMENT Ive contacted both companies in regards to this debt. XXXX EXPLAINED that no service was ever activated with XXXX XXXX but I was still BILLED anyway. How is it possible to bill me for a product that was never activated or used? What was I being charged for? There was never any service provided. I would like to complain that this debt be removed and deleted from my credit reports immediately and that all collection communication be cease to exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to request the immediate removal of a XXXX XXXX XXXX account with a {$1100.00} balance from my credit report. I disputed this account with XXXX, and after completing their investigation on XX/XX/2025, the account was deleted from my XXXX credit report. This action indicates that the account is unverifiable, and as such, your agency is now legally required to delete it under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that the information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified, it is your duty to remove it from my credit file. 

Additionally, FCRA 609 and 611 state that unverifiable accounts must be deleted within 30 days of a dispute. I request that your agency conduct its investigation promptly and remove this account from my credit report within this legally mandated timeframe. 

Failure to comply with this request could lead to legal consequences. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations under the law. Any delay in removing this unverifiable account could expose your agency to liability. 

For your reference, I have included a copy of my XXXX credit report showing that this account has been deleted. Please provide written confirmation once the account has been removed from my credit file. Should you determine that the account is valid, I request that you provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX pursue further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX park XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX To : XXXX Consumer Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting and Request for Removal Dear Experian Dispute Department, I am writing to formally dispute the reporting of student loan accounts associated with XXXX and XXXX on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers.

2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information.

3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile. 

Requested Resolution : I formally request that XXXX : 1. Immediately remove all references to these student loan accounts from my credit report.

2. Provide written confirmation of the removal within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-16 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: TX

Complaint narrative:
There has been alot of false report on my consumer profile with various account that was closed and placed on my credit report.I am demanding an investigation into these account as soon as possible and I want them to be removed according to 15 U.S. Code 1681s-2 it is unlawful to furnish wrong information on consumer 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 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 2025-02-16 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: TX

Complaint narrative:
There has been alot of false report on my consumer profile with various account that was closed and placed on my credit report.I am demanding an investigation into these account as soon as possible and I want them to be removed according to 15 U.S. Code 1681s-2 it is unlawful to furnish wrong information on consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
My personal information and account details were sold to third party agency without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
My personal information and account details were sold to third party agency without my consent or knowledge.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This corresponds to Claim XXXX with Chase 's provider XXXX XXXX XXXX  I filed a claim for trip delay with Chase 's insurance provider - as part of the benefits I pay for under the Chase Sapphire Reserve credit card. The flight was delayed due to weather and therefore ineligible for compensation from the airline, which means Chase is liable for compensation. On XX/XX/year>, Chase 's provider asked me for proof of reason of delay from the airline and proof that the airline was not compensating me. I sent them this on their portal and twice on their email- they are ignoring the email and refusing to change the status from needing the same documentation repeatedly. I have attached proof of the documentation they asked for, and the documentation I sent as proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app never has representatives available to speak

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
The company Etrade financial froze all accounts or my family have at Etrade for no reason given. Starting in late XXXX questions came in concerning one deposit in about {$20000.00}. All questions were answered to the best of our knowledge. After the deposit was made and accepted by Etrade I traded these funds and made considerable money on the account. The company has frozen these accounts for no substantial or reasonable reason. I have personally called the companies senior support team every day. There high lever service employees have no answers as to when our accounts will be opened, why they were frozen, what the exact problem is that caused the freezing. These employees are friendly and tried to help by had no power to help or fix our problem whatever that was. I was told that my account would be open by XX/XX/XXXX but that has not happened. I was questions by higher level employee about the questioned deposit. I have answers to the best of my ability. This {$20000.00} out of over a XXXX dollars. I have analyzed all transactions from the frozen accounts and see no reason why they would be frozen in the first place. I found nothing that looked suspicious or that had not been approved by Etrade. This analysis looks to me that a moderate level accountant could account for all funds and transactions in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im writing this complaint about my account I had with Wells Fargo for years. I had multiple products and accounts with them. I never received my settlement which I started the process on XX/XX/XXXX XXXX XXXX. I never received any more information about it. Ive reached out to Wells Fargo plenty of times no response. I was a victim of XXXX fraud & credit defense fee fraud as well with Wells Fargo Fargo Accounts Wells Fargo My rights was violated 15 usc 1681 which Im supposed to be protected by the federal law. 

Wells Fargo

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of identity theft along with my other co workers. An individual at the job scam myself and other employees at the job. There was a hacking of my XXXX  account. The bank closed my XXXX account without my knowledge and without informing me the reason what happened. After discussing with other employees they experienced the same issues. Some employees accounts were frozen. Now, I am trying to open Checking accounts for myself and my business. All my applications are being denied. Even though I have all the necessary documents. To provide proof of ownership to my business. 

The bank that frozen my XXXX XXXXccess is Bank of America.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dear FPB, I am writing to formally file a complaint against Bank of America regarding an unresolved wire transfer issue that has left me without funds. 

Background of the Issue : Date & Amount : On XX/XX/2024, I initiated a wire transfer of {$4000.00} from my Bank of America account to my brother in XXXX XXXX. 
Issue : Despite the transfer, my brother never received the funds. 
Actions Taken : I contacted Bank of Americas customer service, and they informed me that the funds had been released to my brother. 
I reached out to my brother, who confirmed that he did not receive any money. 
I then contacted the local bank in XXXX XXXX, which stated that they do not offer wire transfer services and advised me to contacXXXX Bank of America to retrieve my funds. 
When I requested the XXXX ( proof of the wire transfer ) from Bank of America, I was told that the case was closed and that they could not provide any supporting documentation. 

I am extremely concerned about the whereabouts of my {$4000.00} and the lack of clear communication and resolution from Bank of America. I kindly request your assistance in investigating this matter and providing guidance on how I can recover my funds. 

Thank you for your time and attention to this urgent issue. I look forward to your response. 

Sincerely, 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am formally disputing the inaccurate 30-day late payment reporting on my XXXX account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections.

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made.

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: DISCOVER BANK
State: MI

Complaint narrative:
on XX/XX/year> I received a notification from XXXX stating my XXXX  decreased in XXXX points. I've tried getting in contact with the bureau but I've had no success. All of my payments are on time and paid in full. 

On the XXXX app, I compared reports from XX/XX/XXXX and XX/XX/XXXX. The balance of the Discover bank account increased by {$180.00}, but I always pay My Statement balance in full each pay period.

Company response to consumer: Closed with explanation