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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy, legality, and presence of student loan accounts reported on my credit file under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and to notify you of a critical and unlawful breach of the Family Educational Rights and Privacy Act ( FERPA ), XXXX XXXX. XXXX. 

It has come to my attention that my protected student loan information was unlawfully accessed or utilized by XXXX XXXX, an unauthorized third party with no educational, legal, or institutional affiliation with my academic records. This constitutes a direct violation of FERPA, which strictly prohibits the disclosure of educational records to third parties without the students written and informed consent.

FERPA provides : No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records of students without the written consent of their parents or the students themselves.

The continued reporting and distribution of my student loan data under these circumstances is a violation of my rights under FERPA and also constitutes noncompliance with the FCRA, which requires that all data reported must be accurate, verifiable, and legally obtained. 

As a result of this FERPA violation, I am demanding the following immediate actions : XXXX. Permanent deletion of all student loan accounts from my credit file maintained by your agency. 
XXXX. Immediate cancellation of all student loan debts associated with my name, as they were compromised and are no longer legally enforceable under FERPA protections. 
XXXX. A full written investigation report detailing how and why my student loan data was accessed or shared without my consent. 
XXXX. A cease and desist from any further reporting, transmission, or furnishing of my student loan information to any third party or credit reporting entity. 
XXXX. A revised copy of my credit report confirming that all student loan accounts have been removed. 

If these demands are not met within the legally required XXXX  day period, I will proceed with filing complaints with the U.S. Department of Education, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). Additionally, I reserve the right to pursue legal remedies, including damages for unlawful disclosure and the emotional and financial distress caused by this violation. 

This letter serves as a formal legal notice and demand for action based on your responsibility to maintain compliance with 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy, legality, and presence of student loan accounts reported on my credit file under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and to notify you of a critical and unlawful breach of the Family Educational Rights and Privacy Act ( FERPA ), XXXX XXXX. XXXX. 

It has come to my attention that my protected student loan information was unlawfully accessed or utilized by XXXX XXXX, an unauthorized third party with no educational, legal, or institutional affiliation with my academic records. This constitutes a direct violation of FERPA, which strictly prohibits the disclosure of educational records to third parties without the students written and informed consent.

FERPA provides : No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records of students without the written consent of their parents or the students themselves.

The continued reporting and distribution of my student loan data under these circumstances is a violation of my rights under FERPA and also constitutes noncompliance with the FCRA, which requires that all data reported must be accurate, verifiable, and legally obtained. 

As a result of this FERPA violation, I am demanding the following immediate actions : XXXX. Permanent deletion of all student loan accounts from my credit file maintained by your agency. 
XXXX. Immediate cancellation of all student loan debts associated with my name, as they were compromised and are no longer legally enforceable under FERPA protections. 
XXXX. A full written investigation report detailing how and why my student loan data was accessed or shared without my consent. 
XXXX. A cease and desist from any further reporting, transmission, or furnishing of my student loan information to any third party or credit reporting entity. 
XXXX. A revised copy of my credit report confirming that all student loan accounts have been removed. 

If these demands are not met within the legally required XXXX  day period, I will proceed with filing complaints with the U.S. Department of Education, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). Additionally, I reserve the right to pursue legal remedies, including damages for unlawful disclosure and the emotional and financial distress caused by this violation. 

This letter serves as a formal legal notice and demand for action based on your responsibility to maintain compliance with 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 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy, legality, and presence of student loan accounts reported on my credit file under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and to notify you of a critical and unlawful breach of the Family Educational Rights and Privacy Act ( XXXX ), XXXX XXXX. XXXX. 

It has come to my attention that my protected student loan information was unlawfully accessed or utilized by XXXX XXXX, an unauthorized third party with no educational, legal, or institutional affiliation with my academic records. This constitutes a direct violation of FERPA, which strictly prohibits the disclosure of educational records to third parties without the students written and informed consent.

FERPA provides : No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records of students without the written consent of their parents or the students themselves.

The continued reporting and distribution of my student loan data under these circumstances is a violation of my rights under FERPA and also constitutes noncompliance with the FCRA, which requires that all data reported must be accurate, verifiable, and legally obtained.

As a result of this FERPA violation, I am demanding the following immediate actions : XXXX. Permanent deletion of all student loan accounts from my credit file maintained by your agency. 
XXXX. Immediate cancellation of all student loan debts associated with my name, as they were compromised and are no longer legally enforceable under FERPA protections. 
XXXX. A full written investigation report detailing how and why my student loan data was accessed or shared without my consent. 
XXXX. A cease and desist from any further reporting, transmission, or furnishing of my student loan information to any third party or credit reporting entity. 
XXXX. A revised copy of my credit report confirming that all student loan accounts have been removed. 

If these demands are not met within the legally required XXXX day period, I will proceed with filing complaints with the U.S. Department of Education, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). Additionally, I reserve the right to pursue legal remedies, including damages for unlawful disclosure and the emotional and financial distress caused by this violation. 

This letter serves as a formal legal notice and demand for action based on your responsibility to maintain compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Was reached out to through Bank of America 's phone number, through our previous text chain with them ( validated and used to check debit card fraud, pin number etc. ) and was told that XXXX was trying to be taken out of our savings account by unauthorized persons. Was asked to confirm our account number and we did. The scammers took XXXX out of our savings and we reported it to bank of america the same day/hour it happened and they said that they " tried '' to get the money back but since the funds were at a separate bank and that that bank stated they didn't have it, they could not reimburse us the money. 

Bank of America should have better security measures in place, should have covered the costs of our lost savings and should have tried harder to get our money back. 

If wire fraud and scammers are able to get through to our account so easily, and use the SAME number of BoA and SAME text chain ( that is credible ) then it shouldn't be the fault of the consumer. 

We were told it was our own fault and that they wouldn't help any further and wouldn't investigate any further than asking the other bank for money back.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Credit card company isn't resolving a dispute about the {$500.00} billing dispute purchase on your statement since XX/XX/year>. 

On XX/XX/year>, I disputed a billing charge for {$500.00} by the Merchant : XXXX * XXXX, that was charged by me on XX/XX/year>. The Merchant gave false deception of product and later became unreachable, then Merchant illegally inflated the price and contacted me on XX/XX/year> with inflated price of the Order to {$1000.00}, and never sent an amended order contract for me to sign. After several failed attempts from XXXX to XXXX to reach the Merchant, she stated on XX/XX/year>, she would now only do 1 of the 5 products ordered on XX/XX/year>, now at {$1800.00} which voided the contract which was agreed upon when the Contract was signed on XX/XX/year> when I used my Bank of America Credit Card ending in XXXX to make one payment for {$500.00} to pay the Merchant. 

Claim ID XXXX Claim amount {$500.00} Claim opened XX/XX/year> I contacted Bank of America regarding this matter and I also found that when I provided the billing dispute information, they later changed it around to state something else, which I also believe what has caused the the delays on the {$500.00} credit owed back on my credit card XXXX. I called Bank of America and I was given the run around about the {$500.00} dispute credit. As a XXXX, I was totally ignore by Bank of America. I am asking for help with Bank of America with the refund return back as credit on my Bank of America credit card ending in XXXX, due to the Merchants misconduct and behaviors to include a scam. Bank of America credit card is suppose to fight for its Consumers and I need the {$500.00} charge returned and credited back to my account. 

I need help with Bank of America to get the other {$500.00} permanently credited back to my account. I have received the complete run a round from XXXX XXXX regarding the credit I am owed and need your help. 

Bank of America Credit card company isn't resolving a dispute about the {$500.00} purchase on your statement.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MI

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 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: SC

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX, I was the victim of a fraudulent wire transfer totaling {$14000.00} from my Wells Fargo business account. I reported the incident to Wells Fargo immediately and submitted XXXX police reports, both of which were provided to the bank as part of the investigation. 

Wells Fargo informed me that they would initiate a recovery claim with the receiving bank, XXXX  XXXX XXXX. However, I received no documentation or confirmation that this was ever done. For several weeks, I followed up repeatedly, and each time I was told that a claim had been filed and that XXXX  XXXX XXXX was not responding. 

On XX/XX/XXXX, I obtained an official letter from XXXX XXXX XXXX confirming that this is not true. They clearly stated that they have not received any claim or Hold Harmless Indemnification request from Wells Fargo regarding my case. Furthermore, XXXX XXXX XXXX confirmed that the scammer 's account has been flagged for fraudulent activity and that they are fully willing to cooperate with a formal recovery effortif Wells Fargo would submit the necessary documentation. 

This morning, on XX/XX/XXXX, at XXXX XXXX, I received a call from XXXX XXXX, a Wells Fargo representative, who again claimed that XXXX  XXXX XXXX had not responded. When I calmly asked to speak with a supervisor, XXXX abruptly hung up on me. Her tone throughout the call was aggressive, dismissive, and unprofessional, which is especially concerning given that I am a fraud victim seeking help. 

To date, Wells Fargo has : Not provided a Hold Harmless Indemnification form Not submitted a claim to Bank of America Repeatedly misrepresented the facts regarding their actions Demonstrated unprofessional conduct through their representative Failed to protect me as their customer and take the appropriate recovery steps This mishandling has caused me significant financial loss and emotional distress. The stolen funds were intended to support my small business and provide for my XXXX XXXX  chil

d. Wells Fargos inaction and lack of accountability have made a painful situation even worse.

I am requesting a full investigation into Wells Fargos handling of this fraud case, their failure to submit a recovery request, and their treatment of me as a victim and client.

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