vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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 TRANSUNION 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-05-24 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: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX 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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To : Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Re : Case No. XXXX/ XXXX Claim No. XXXX/ Urgent Escalation I am writing to urgently follow up on the denial of my claim related to unauthorized XXXX transactions totaling {$3800.00}. I strongly contest the conclusion reached in your letter and request an immediate reconsideration and escalation of my case. I must again stress that I did not authorize these transactions, nor did I knowingly provide my credentials to anyone. 

Additional Facts : My phone was compromised at the time these transactions occurred. I suspect malware or remote access may have enabled an unknown party to access my Wells Fargo credentials and complete the transfers.

The funds were transferred to names that are completely unfamiliar to meone of which appears to be of XXXX XXXX origin. I have no personal, professional, or financial relationship with these recipients. 

Wells Fargo had previously called me, notifying me that there were multiple suspicious logins from different IP addresses. This is clear evidence that my account was accessed without authorization. 

Attempts to contact Claims Assistance repeatedly failed. I work full-time and called on multiple occasions after work hours, but I was never able to reach a live representative to explain my situation or submit additional evidence in real time. 

Request for Action : Reopen the case and conduct a full forensic investigation into the IP addresses, device IDs, and geographic origins of the unauthorized logins and transactions.

Provide me with the names of all recipients, as well as the full transaction logs and internal fraud investigation notes.

Recredit my account in accordance with Regulation E, which protects consumers from liability when fraud occurs without their authorization. 

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 2025-05-24 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: MI

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of any and all student loan accounts listed on my credit report that originated from educational institutions or their loan servicers, including but not limited to XXXX, XXXX, XXXX XXXX, or any Department of Education affiliates. These entries are in violation of the Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C. 1232g ; 34 CFR Part 99 ].

Under FERPA, my personally identifiable education records are strictly protected and can not be disclosed to third partiesincluding credit reporting agencieswithout my informed, written consent. No such written consent was ever provided by me to any servicer or institution to disclose my private educational financial records to your agency or any consumer reporting organization. 

As such, the publication and use of this information : Was unauthorized Constitutes a breach of federal privacy law Has caused and continues to cause me financial, reputational, and personal harm The continued reporting of this data is not only unlawful, but also actionable under the Fair Credit Reporting Act ( FCRA ) and FERPA, and may result in civil penalties and injunctive relief. You are now on notice of this violation.

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 2025-05-24 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:
This letter serves as a formal demand for the immediate deletion of any and all student loan accounts listed on my credit report that originated from educational institutions or their loan servicers, including but not limited to XXXX, XXXX, XXXX XXXX, or any Department of Education affiliates. These entries are in violation of the Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C. 1232g ; 34 CFR Part 99 ].

Under FERPA, my personally identifiable education records are strictly protected and can not be disclosed to third partiesincluding credit reporting agencieswithout my informed, written consent. No such written consent was ever provided by me to any servicer or institution to disclose my private educational financial records to your agency or any consumer reporting organization.

As such, the publication and use of this information : Was unauthorized Constitutes a breach of federal privacy law Has caused and continues to cause me financial, reputational, and personal harm The continued reporting of this data is not only unlawful, but also actionable under the Fair Credit Reporting Act ( FCRA ) and FERPA, and may result in civil penalties and injunctive relief. You are now on notice of this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I have a CC with a Credit Limit of {$1000.00}. I left the USA on business with only my Indigo Master Card. Upon arrival to XXXXmy card kept declining at several merchants and my Hotel locked my out of my room for 2 days until i was able to find someone to XXXX XXXX me cash to recheck in my Hotel.

SInce XX/XX/XXXX and present I have made over 50 attempts to access the Website for online information and i have called the ONLy customer Service number they have XXXX and it rings once and hangs up. 

This has created an extremely difficult situation for me, seeing that i am XXXX miles away from home. and this {$1000.00} card was my only source of financial assistance. I made a payment to clear the entire bal 2 days before my trip,, so my available Balance was expected to be the entire {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
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. 

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

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 2025-05-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at DEPT OF EDUCATIONXXXXXXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX. A computer hacker hacked my Wells Fargo credit card {$15000.00}, and transferred the money to Wells Fargo my checking account and then to an unfamiliar XXXX and XXXX XXXX  account. I went to Wells Fargo branch bank and reported to the branch manager. They switched a new checking account. But they can not fixed problems to my credit card {$15000.00}. Only contact to Wells Fargo customer service line to make 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 monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have a Robinhood account that I transferred funds into and Robinhood after my funds were deposited closed my account and kept {$1500.00} with no reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX My Personal Information was HACKED by Unauthorized E Mail ( XXXX ) By Criminal Intent in Unauthorized XXXX XXXX XXXX  XXXX. 
USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The USAA XXXX XXXX XXXX Agent Confirmled That An Illegal Crime in Emergency XXXX XXXXXXXX Allows XXXX XXXX XXXX To Alter The XX/XX/XXXX USAA XXXX XXXX XXXX To XXXX A Foreign Country XXXX Monthly By Unauthorized Currency NOT US Dollars UNAUTHORIZED This Is Illegal Criminal Military Lending Act Violations with USAA XXXX XXXX XXXX at USAA Federal Savings Bank NA Texas XXXX USAA Bank XXXX XXXX XXXX Is Required To Investigate This Horrific Phishing At USAA XXXX XXXX XXXX and Identity Theft In XXXX  XXXX XXXX XXXX XXXX XXXX XXXX by E MAIL Verification with CFPB Omnibus Director in FBI Washington DC XXXX XXXX by USAA.COM XXXX XXXX XXXX XXXX Due Process of Law Termination With USAA 28 ; Year Membership Required in Obstruction of Justice by Federal Law In Consumer Lending Act Fraud Unresolved Since XX/XX/XXXX - A Financial Attack By Conspiracy Cyberpunk Attack 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 2025-05-24 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>. I applied for a secured credit card with Truist Bank, which only requires a {$400.00} deposit. I have deposited over {$6500.00} in the past year and maintain a good-standing relationship with them. Truist denied my application based on criteria used for unsecured credit, such as credit score and too few high-limit unjust, is unjustified for a secured product and violates ECOA ( 15 U.S.C. 1691 ) and FCRA ( 15 U.S.C. 1681m ) by using non-transparent and irrelevant criteria. The denial of my application based on credit criteria that are inconsistent with the secured credit card product is misleading, unjust, and harmful. I request CFPB to investigate and require Truist to fairly review applications for secured credit without unnecessary denial practices. Their justification includes irrelevant criteria for a secured product, and appears to misrepresent consumer rights under TILA, FCRA, and ECOA. This denial affects my credit access, financial reputation, and well-being. Truist Banks practices in evaluating secured credit cards, especially where no risk to the lender exists. This conduct may be misleading and obstructive to fair financial access.

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 2025-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
The representative was XXXX  in demands of beginning payment before debt was able to be recognized. The actions from the Thomas Agencies representative were nothing short of harsh and demanding, I felt intimidated especially without full knowledge to make any determining factors to recognize or understand any debt being presented. I felt rushed and bullied over the phone. I have not received any mail in accordance to this debt and had explained such, without any remedy. This collection agency is also reporting medical debt to my credit report which is unlawful according to The FCRA prohibits creditors from considering medical information in credit eligibility determinations. And if such said medical debt is recognized it would then be in violation of HIPPA

Company response to consumer: Untimely response