vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$990.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$740.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$530.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Account number XXXX Balance {$18000.00} Open Date XX/XX/XXXXXXXX XXXX  Account number XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$4000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Balance {$3200.00} Open Date XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$740.00} Open Date XXXX XXXX, XXXX XXXX  XXXX Account number XXXX Balance {$640.00} Open Date XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$260.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$230.00} Open Date XX/XX/XXXX Inquiries XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXXnquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint due to a violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) that directly affects the legitimacy of my federal student loans. An institution disclosed my education records without my consent, violating federal law and compromising my privacy.

As a result of this unauthorized disclosure, I believe the origination and/or servicing of my loan is not valid and should be investigated. Despite reaching out to the institution to report the FERPA violation and request resolution, no corrective action has been taken.

I am requesting that the loan be fully discharged and removed from my account. This breach has caused ongoing distress and potential harm to my financial record. I have supporting documentation and am willing to provide it for review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. It is crucial to address these issues promptly to restore my credit integrity and ensure a fair assessment of my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for

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 2025-06-03 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: VA

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 2025-06-03 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Bank of America for its failure to trace or support the recovery of XXXX high-value international wire transfers sent from my account on XX/XX/year>, and for its refusal to provide the XXXXXXXX XXXX transaction documents required to track the funds. 

Transaction Details : Account Holder : XXXX XXXX Bank of America Account # : XXXX Transfer XXXX : XXXXXXXX XXXX to XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) Transfer XXXX : XXXXXXXX XXXX to XXXXXXXX XXXX ( XX/XX/XXXX ) Despite over XXXX weeks passing, the funds have not been received. I have made over XXXX attempts to contact Bank of Americas XXXX XXXX department at XXXX ( Option XXXX > XXXX > XXXX ), but the calls disconnect after XXXX minutes without reaching an agent. 

Attempts to Resolve : I visited the XXXX XXXXXXXX XXXX BoA branch, where XXXX and the Branch Manager attempted to call on my behalf and encountered the same issue. They escalated internally but have received no response. 

XXXX called again this morning and asked me to escalate this by writing to your office and Bank of America executives. 

Complaint Summary : No access to basic international wire documentation ( XXXX ) No live support or callback despite urgent wire issue No resolution or follow-up from internal escalation Risk of losing large-sum transfers Severe disruption to personal and business operations Relief Requested : Immediate issuance of XXXX documents for both transactions Trace or recall the wire transfers if they can not be located Immediate contact from a Bank of America representative who is trained in international transfers Written explanation for these repeated breakdowns in support The current experience raises serious concerns about Bank of America 's compliance , support, and accountability regarding international transfers. I respectfully ask your office to intervene and investigate.

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 2025-06-03 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: BANCO POPULAR DE PUERTO RICO
State: AZ

Complaint narrative:
I am submitting this statement to formally notify the Consumer Financial Protection Bureau ( CFPB ) that my personal and financial information was compromised as part of a data breach involving CFPB, which I have reason to believe has led to fraudulent and inaccurate information being reported on my credit file. 

I was notified that my sensitive information including my full name, Social Security number, address, phone number, and possibly banking or credit details was exposed in the breach. Since that time, I have observed several unauthorized accounts and negative marks ( including charge-offs and collection accounts ) that I did not open, authorize, or use. These inaccuracies have caused significant damage to my credit profile, and I am now facing consequences for accounts I am not legally responsible for. 

I have taken steps to protect my identity and mitigate further damage, including : Filing an FTC Identity Theft Report Placing a fraud alert on my credit file Reviewing all three of my credit reports for suspicious activity I am requesting that the CFPB take appropriate steps to compel credit reporting agencies and data furnishers to : Delete any accounts and negative items resulting from the breach Cease any collection activity related to the fraudulent entries Provide written confirmation of the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company Name : Capital One Issue : Duplicate NSF fees for XXXX transaction Dates Involved : XX/XX/XXXX XX/XX/year> Amount in Dispute : {$70.00} Summary : My bank charged me XXXX NSF fees for a single XXXX XXXX of {$140.00}. 

On XX/XX/XXXX, the first attempt failed and I was charged a {$35.00} NSF fee. 

On XX/XX/XXXX, I deposited {$140.00}, and the bank reversed the original NSF fee. 

On XX/XX/XXXX, the XXXX payment was successfully completed. 

Yet, on XX/XX/XXXX, my bank charged another {$35.00} NSF fee for the same transactionafter it had already cleared. 

Then again on XX/XX/XXXX, I was charged a third {$35.00} NSF fee, for that same, already-paid transaction. 

These were not new charges. This was XXXX single payment, yet I was hit with XXXX additional NSF fees ( {$70.00} total ) after I already paid the bill. I called the bank, and they acknowledged the first fee was in error ( and reversed it ), but they refused to refund the other XXXX, and incorrectly referred me to XXXX. XXXX did not initiate any new chargesI did not authorize anything additional. 

This is a clear case of duplicate billing for a resolved transaction. Ive been forced to file a formal dispute internally, but am now escalating to the CFPB due to lack of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days. 

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I am writing to formally dispute a debt referenced in a letter ( attached ) I received from Source Receivables Management, dated XX/XX/XXXX, regarding a XXXX XXXX account. I have never opened or authorized an account with XXXX XXXX XXXX XXXX XXXX, and this was the first time I had ever been made aware of its existence. 

Upon calling Source Receivables Management, I was informed that the account in question had been open since XXXX and showed periodic payments. I immediately suspected, and later confirmed, that my ex-wife, XXXX XXXX, opened and used this account without my knowledge or consent, which apparently continued after divorce. 

I disputed the debt by phone and followed up with a certified letter on XX/XX/XXXX, requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). In response, I received a vague letter from XXXX XXXX  dated XX/XX/XXXX, titled Claim Review Completed. It stated that my fraud dispute was denied because the account had been open for over XXXX  months, statements were sent to me, and they believe I authorized or benefited from the charges. 

This response is insufficient and inaccurate. I have never authorized this account, received statements, or benefited from any transactions associated with it. To date, neither XXXX XXXX  nor Source Receivables has provided any documentation showing my authorization, usage, or benefit, nor have they produced proof that any statements were sent to me or to my correct address. They managed to get my correct address once sent to collections, but again that was the first communication I had ever received from them. 

I also have no idea where this account has been since it opened. This has never shown up on my credit reports as either an open account or delinquent account. This should have shown up, especially during background investigations for security clearances related to my military service, and it never has. Something is amiss with this situation and neither company has been able to provide clarity.

Company response to consumer: Closed with explanation