vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting and Collections Following Department of Education Abolishment To Whom it May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX  for continued reporting and collection of a student loan debt that is now legally void following the executive order to abolish the U.S Department of Education. 
# # # Complaint details 1. Illegal Credit Reporting- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education .

2. Failure to Verify Legitimacy of Debt- The Loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices- The continued collection of these debts constitutes a violation of my rights under FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C 1692 ). 


I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of a collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I started school at XXXXXXXX XXXX and tried to get loans to support my XXXX XXXX XXXX. The financial aid department said my Loans from XXXX were in non-payment status, and I needed to submit a letter to rescind them. I completed this in XX/XX/XXXX, and it still hasn't been completed XXXX months later. I am still in school. FASFA has disbursed my loans, but the school will disburse my funds because Nelnet has not updated the system. Every time I call, they say there's nothing they can do. Please assist with Nelnet ; they are holding my funds from being disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
This will be my second report with this company. the first report number is XXXX They are refusing to fix their mistake. this account belongs to my XXXX  sister who has a very simliar name to mine. I have an email from XXXX, who works for XXXX, where she admits that the information was wrongfully put on my account. we have been fighting this issue for almost a year now. I also have file XXXX identity theft reports against this company.

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 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-25 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I will not REST until this is corrected. 

All of the information being reported is false. My account was not dinged for $ XXXX was for {$0.00}. Several of your representatives have already confirmed this ( on a recorded line ). 

During my call with your representative on XX/XX/2025, she essentially proved my point : your online portal displays one amount due, while your internal system reflects something completely different. Ive provided screenshots showing this discrepancy and am requesting that the inaccurate information that was reported be removed immediately. 

Your online portal is instructing customers to pay one amount, but your internal system is calculating something else. Ive already tried to warn you that your system is not accounting for cents in the amount due. If this issue continues, and your portal remains unfixed, it could potentially lead to legal action. 

As of yesterday, the portal showed a past due amount of {$520.00}, while your representatives system indicated {$520.00}. Had I not been on the phone with her, I wouldve unknowingly paid the wrong amount and been marked lateover just {$0.00}. Lets be real : no one paying {$500.00} would intentionally skip {$0.00}. 

Nordstrom needs to take accountability and resolve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year> I filed a claim disputing an unauthorized transaction with the merchant XXXX in the amount of {$3400.00} which was denied by my financial institution Navy Federal Credit Union with no supporting evidence. I never had an account with this merchant. My debit card was stolen and funds were taken out of my account without my knowledge or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> My official dispute - I just found a scam (? ) my personal checking account wTruist Bank is perpetuating!

I have recently applied Overdraft protection to acct " XXXX ''. Yet several times now Truist chose to move charges on debit card " XXXX '' over to card " XXXX '' claiming I didn't have funds to cover in " XXXX ''. ( I have sev hundred dollars in my checking acct, ongoingly ) Calling it a " cash advance ''! That's total XXXX! I totally dispute their " accounting '' practices. Please investigate this for me. Thank you XXXX XXXX XXXX, GA XXXX XXXX SS XXXX XXXX XXXX XXXX Truist Bank XXXX XXXX NC Truist acct # XXXX Personal checking Suntrust ( was my bank ) and XXXX merged sev yrs back. XXXX - XXXX is a questionable bank at best ( my deceased mother had an acct there XXXX yrs back ). I don't trust XXXX at all, so what does THAT say about Truist?

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 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the improper closure and continued freezing of my account with Marcus by Goldman Sachs, as well as the mishandling of my funds and the poor customer service I have received. 

On XX/XX/year>, I initiated an online transfer from my Marcus account to an external bank account. On XX/XX/XXXX, without valid reason or prior notice, Marcus denied the transfer and closed my account. Following this, I called your customer service multiple times and was informed that the only way to unfreeze my account was to mail a bank statement showing my name. No further details were requested.

Acting promptly, I sent the requested external bank statement via USPS overnight mail. Despite Marcus receiving the document approximately a week later, my account remained frozen. Upon calling again, I was told the statement was deemed a photocopy and that additional information namely the full account number was now required. This was never mentioned during my previous conversations.

Worse yet, Marcus has since refused to either properly unlock my account or close it and return my funds. I have been given vague, inconsistent reasons and unrealistic demands, which appear designed to deliberately obstruct the resolution of this matter.

This ongoing situation has negatively impacted my financial stability and personal life. I find Marcuss handling of my account closure and fund withholding unacceptable and possibly in violation of banking best practices and consumer protection laws. 

I hereby demand the following : A full and detailed explanation for the denial of my transfer and the closure of my account.

Immediate release of my funds and formal closure of my account at my request.

Written confirmation that no negative reports have been made to credit agencies.

Compensation for any direct financial losses or damages incurred due to Marcuss mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I noticed that there is a personal loan somehow appeared on my credit report one day through XXXX XXXX monitoring service. This loan is from LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX, and the total amount is {$510.00}. 

I never applied for this loan and not even sure what type of loan this is. I first filed dispute with XXXX and XXXX but they insist that this loan belong to me. I then contacted this bank with the phone number provided by XXXX, but the bank still insist that this loan belong to me. I never applied for this loan, nor receive the money from this loan, or pay back on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
b'In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.\n\nAccount close: # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXAccount close: # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXAccount close: # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXAccount close: # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXXAccount close: # XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXXHas violated my rights.\n\nAnd according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b).\n\nAnd according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information\n(A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S.C. 1681B(A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have noticed several inquires on my chexsystems report that I did not authorize. I need these removed from my chexsystems file asap please, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am trying to remove the XXXX from bill its stating that I owe a balance in XXXX. Which was previously inaccurate. This is now transferred 7 years later to a collection agency and is still inaccurate reporting. This is not allowing me to get approved for an apartment which Im in danger in due to significant health risk. I would like to ask for this to be removed so I can move to a safer space.

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 2025-04-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/year> I had someone attempt to get credit with my SSN and it resulted in an inquiry on my XXXX 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 2025-04-25 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I did not authorize none of these hard inquiries. It is way too many to accumulate. It is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> at XXXX I made an ATM withdrawal for {$200.00} and did not receive cash. 
Cash App has refused to provide a Reg E EFT credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my TransUnion report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my TransUnion report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my TransUnion report, there are XXXX late payments being reported. 

XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Public Record from a Bankruptcy chapter XXXX filed on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: SC

Complaint narrative:
Yes the name of the debt collection agency was American coradius international LLC. And they were attempting to collect a debt for XXXX supposedly for {$31.00} and I called the number of theirs and they told me it was being recorded so I told him it was all I was also recording and they transferred me and then they said that supposedly XXXX withdrew the debt and I went online and found many complaints of this being a scam or a fraud agency and wanted to report it for the people that dont catch it and pay it and let these people keep on scamming people out of money

Company response to consumer: Closed with explanation