vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX of XXXX, XXXX checks XXXX XXXX XXXX XXXXXXXX ) were mobile deposited into my nephew 's Wells Fargo checking account. The money was immediately withdrawn. The three checks totaled {$2600.00}. The checks bounced. Wells Fargo did not adhere to their policy of waiting 1 business day for funds availability. Also printed on the checks was 'Deposit of cash by XX/XX/XXXX ' ( No. 1765 ) and 'Deposit or cash by XX/XX/XXXX ' ( No. 1786 and 1787 ). Again, ignored by Wells Fargo. Upon a visit, they did determined the checks were forged as there were different handwriting and signatures. 

My account was linked to my nephews. Wells Fargo did recoup their lost funds from my own personal checking account. I am out {$2500.00}. 

Wells Fargo was very negligent. I did file with their fraud department. I was denied. I also filed an incident report with my local police department and the check forgery is being investigated.

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 2025-02-09 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-02-09 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: IA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My personal and financial information was compromised without my authorization.The DOGE staff have gained access to the U.S. Department of Education 's systems, which contained my personal data. Under the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. I did not consent to having our personal information shared with an unelected and non-Congressional approved entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/ 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX andXX/XX/XXXX 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/ 2025. You may contact me at XXXX or XXXX if you require further details. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX andXX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX andXX/XX/XXXX 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>2025. You may contact me at XXXX or XXXX if you require further details. 

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 non-monetary relief
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX and XX/XX/XXXX. 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>2025. You may contact me at XXXX or XXXX if you require further details. 

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 2025-02-09 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 am writing to formally dispute the reporting of child support information on my credit report under the Fair Credit Reporting Act ( FCRA ) and Title IV of the Social Security Act. Upon reviewing my credit report, I found inaccurate or outdated information regarding child support that negatively impacts my credit profile.

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure maximum accuracy and fairness in consumer credit reporting. The inclusion of child support information on my report does not meet these standards, as it is not a traditional credit obligation, nor does it pertain to my creditworthiness. Including such information violates my rights under federal law.

Additionally, I am invoking Title IV-D of the Social Security Act, which governs the administration of child support programs. While Title IV-D is designed to ensure child support enforcement, it does not mandate that such obligations be included in a consumer 's credit profile, especially if doing so adversely affects one 's credit standing without a clear basis.

As a consumer, I am entitled to a fair and accurate reflection of my credit history.

Therefore, I am requesting the immediate removal of all references to child support obligations from my credit report, in compliance with federal regulations that mandate accuracy, fairness, and respect for consumer privacy.

Please investigate this matter thoroughly and send me written confirmation of the removal within the legally prescribed 30-day investigation period under the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and a resolution that ensures my rights as a consumer are protected.

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 2025-02-09 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX 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 2025-02-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Their was a data breach, an all my info was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I informed Equifax that the, collection accounts that are in their report are not mine and would like them to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: IL

Complaint narrative:
Is this a scam company they are not licensed in Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am formally disputing the validity of the student loan debts associated with my name. Due to recent events involving unauthorized access to student loan data, I have reason to believe that my personal and financial information has been compromised. As a result, I am requesting the immediate discharge of these loans and the removal of any related negative information from my credit report. 

The unauthorized access constitutes multiple violations of federal law, including but not limited to : Title IV of the Higher Education Act ( HEA ) Institutions and loan servicers managing federal student aid are legally required to safeguard borrowers financial data. A failure to secure this information constitutes noncompliance, rendering these loans unenforceable. 
The Family Educational Rights and Privacy Act ( FERPA ) My student records, including financial aid information, are federally protected from unauthorized disclosure. This breach violates my rights under FERPA.

The Privacy Act of 1974 Federal agencies and affiliated institutions must protect individuals ' records from unauthorized access and misuse.

The Gramm-Leach-Bliley Act ( GLBA ) Financial institutions, including student loan servicers, must maintain strict data security protocols. Any breach suggests noncompliance with federal regulations.

The Fair Credit Reporting Act ( FCRA ) If my student loan data has been accessed, altered, or misused, any inaccurate reporting must be corrected, including the immediate removal of these debts from my credit report. 

Due to these federal violations, I demand an immediate discharge of all affected student loans. Given that my information was improperly accessed, these debts should be considered invalid and unenforceable. The failure to uphold federal data protection laws has compromised the integrity of my loan records. 

If you deny this request, I demand a detailed legal justification explaining why the breach of my personal and financial data does not warrant full loan cancellation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally required to investigate this dispute within 30 days. If these debts can not be verified as valid, compliant with Title IV, and unaffected by unauthorized access, they must be removed from my credit report. 

Please consider this letter my formal dispute and request for immediate loan discharge. I expect a response within the legally required timeframe. If you require further information to process my request, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
A transaction hold was made on my account for {$170.00} for a purchase at a gas station that was not charged to my account because it was denied due to my zip code being wrong on the app. Cashapp has been holding my money for 5 days, there is no reason to.hold my cash seeing there was no charge. I have contacted the merchant and they stated Cashapp is the ones holding my money. Everytime I call the support team for Cashapp they have been giving me different information. One rep said they would release my money today the XXXX XXXX XXXXXXXX, the other rep said XXXX hours, now they are telling me 10 days. This is unacceptable seeing that it is my money. It is a huge inconvenience and all the reps are not on the same page. This happened on Wednesday the XXXX XXXX XXXX

Company response to consumer: Closed with explanation