vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD Bank checking account in XXXX of XXXX because a XXXX XXXX XXXX XXXX told me that I needed an account with a bank that had a physical location to set up automatic payments. 
My sister sent me some money for me to pay for the insurance. The amount on the account was {$140.00} dollars. My sister, XXXX XXXX, also has an account with the bank. 

Shortly after opening the account, I called the bank because I was unable to log into the app. A phone representative disclosed that my account had been closed due to fraudulent activity, which she didn't explain. Had i not called, I would not have known about this serious accusation. She instructed me to go to a branch to speak with someone in person. I did so and still didn't get an explanation, but the female representative stated that they mailed a check with the funds on XX/XX/XXXX. I responded that I didn't receive the check. She said to check back in in a week. I called the bank today, XX/XX/XXXX. The XXXX  XXXX  told me that they will Not issue another check until after XXXX  days. 

I really need my funds. This bank closed my account without interviewing me or conducting an investigation. Now, they are kidnapping my funds. This is very unjust and upsetting. I don't know how this is legal. 

Please help me. I am struggling financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

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 2025-02-12 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-12 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-12 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: OK

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX amedical debt that the original creditor did not perform the correct billing imformation provided. they were instructed to mail all final billing to my XXXX XXXX XXXXXXXX XXXX  " XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX they failed to do so. also according to new new in place all medical debt must be removed from the credit profiles. i have attempted several times with all three major credit bureaus to get this removed with no success. also the data is incorrect on the account status

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 2025-02-12 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dates- XXXX Amount : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Dispute of Information Disclosure to XXXX XXXX  and Request for Loan Discharge Due to FERPA Violation Dear Department of Education , I am writing to formally dispute the unauthorized disclosure of my student loan information to XXXX XXXX  and/or his associated companies. I understand that my student loan data, including personally identifiable information, is protected under the Family Educational Rights and Privacy Act ( FERPA ). I have not provided consent for this information to be shared with XXXX XXXX or his entities, and I am deeply concerned about the potential misuse of my private data. 
I believe this unauthorized disclosure constitutes a clear violation of my rights under FERPA. The sensitive nature of the information contained within the student loan database, including but not limited to my Social Security number, financial records, and other personal details, necessitates the highest level of privacy protection. The apparent lack of a legitimate educational purpose for XXXX XXXX access to this data further underscores the severity of this breach. 
Given this serious violation of FERPA and the potential risks it poses to my privacy and financial security, I respectfully request the following actions : * Immediate Investigation : I request a thorough and transparent investigation into the circumstances surrounding the disclosure of my student loan information to XXXX XXXX and his associated companies. This investigation should include a full accounting of who authorized the release of this data, the legal basis cited for the disclosure, and the specific purposes for which the data is being used. 
* Cessation of Data Sharing : I demand that the Department of Education immediately cease any further sharing of my student loan information with XXXX XXXX or any other unauthorized third party. 
* Loan Discharge : Due to the significant breach of my privacy rights and the Departments failure to adequately protect my sensitive information, I request a full discharge of my student loan obligations. I believe that the violation of FERPA has fundamentally compromised the trust between myself and the Department regarding the management of my student loans, and that a loan discharge is the appropriate remedy for this breach. 
* Notification of Findings : I request to be notified in writing of the findings of your investigation and the actions taken in response to my complaint. 
I expect a prompt and comprehensive response to this matter. I am available to provide any further information or documentation that may be necessary to support my claim. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I noticed multiple charges on my Cash App account and I called to complain about it and request refund but was told its nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
Hello There, I have explained in detail below, and I don't mind giving you accounts numbers, address, and incorrect names because they don't belong to me, and I shouldn't be seeing them as well. 

My name, address and debts are incorrect on my credit report, this incorrect information has caused me to be turned down for some jobs, and housing. I have tried very hard calling these companies but they refuse to remove it from my credit report, or even call me back. There is incorrect address, and debt accounts listed on my credit report, all which do not belong to be and are becoming a burden on my livelihood. Also, I'd like to address my name, my name is XXXX XXXX XXXX, not just XXXX XXXX, I don't know if that is the reason I have other ( s information on my credit report, but it's causing me a lot of pain and headache in my life. I would like these accounts to be removed all together. I have provided my ID, SSI card and proof of mailing address. 

These ( 6 ) address below are not mine, nor did I ever live at these addresses. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The below ( 5 ) accounts below, do not belong to be nor have I ever done business with any of them. 

XXXX Account number XXXX Account typeOpen account Date openedXXXX XXXX, XXXX Balance {$3600.00} Balance updatedXXXX XXXX XXXX XXXX XXXX Account XXXX Account typeOpen account Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$300.00} XXXXXXXX XXXX XXXX XXXX  Account XXXX Account typeXXXX Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Account XXXX Date openedXXXX XXXX XXXX Status updatedXXXX XXXXXXXX Balance {$560.00} Balance updatedXXXX XXXX XXXXXXXX Past due amount {$560.00} XXXX  XXXX Account numberXXXX Date openedDec XXXX, XXXX StatusAccount charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$720.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$1400.00} XXXX XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Status updatedXXXX XXXX Balance updated- Original balance XXXX XXXX Monthly payment- Last Payment DateXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
Hello There, I have explained in detail below, and I don't mind giving you accounts numbers, address, and incorrect names because they don't belong to me, and I shouldn't be seeing them as well. 

My name, address and debts are incorrect on my credit report, this incorrect information has caused me to be turned down for some jobs, and housing. I have tried very hard calling these companies but they refuse to remove it from my credit report, or even call me back. There is incorrect address, and debt accounts listed on my credit report, all which do not belong to be and are becoming a burden on my livelihood. Also, I'd like to address my name, my name is XXXX XXXX XXXX, not just XXXX XXXX, I don't know if that is the reason I have other ( s information on my credit report, but it's causing me a lot of pain and headache in my life. I would like these accounts to be removed all together. I have provided my ID, SSI card and proof of mailing address. 

These ( 6 ) address below are not mine, nor did I ever live at these addresses. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The below ( 5 ) accounts below, do not belong to be nor have I ever done business with any of them. 

XXXX Account number XXXX Account typeOpen account Date openedXXXX XXXX, XXXX Balance {$3600.00} Balance updatedXXXX XXXX XXXX XXXX XXXX Account XXXX Account typeOpen account Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$300.00} XXXXXXXX XXXX XXXX XXXX  Account XXXX Account typeXXXX Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Account XXXX Date openedXXXX XXXX XXXX Status updatedXXXX XXXXXXXX Balance {$560.00} Balance updatedXXXX XXXX XXXXXXXX Past due amount {$560.00} XXXX  XXXX Account numberXXXX Date openedDec XXXX, XXXX StatusAccount charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$720.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$1400.00} XXXX XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Status updatedXXXX XXXX Balance updated- Original balance XXXX XXXX Monthly payment- Last Payment DateXXXX 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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
I am filing a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive education records have been improperly disclosed, which has led to concerns about my privacy and personal security.

Despite my efforts to resolve this issue with the institution, they have failed to take appropriate action to correct the situation.

I request that the Department of Education investigate this matter immediately and take the necessary steps to ensure my records remain protected. Please inform me of the next steps in this process and any additional information you may require.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Social Security Number ( Last 4 Digits ) : XXXX Case Reference : Police Report # XXXX, FTC Identity Theft Report Subject : Request to Block Fraudulent Information Due to Identity Theft Summary of Complaint I am filing this complaint against [ Credit Bureau ( s ) and Collection Agency Name ] for failing to remove fraudulent information from my credit report, despite my identity theft claims, supporting documentation, and multiple requests for resolution. 

Issues Reported : Fraudulent Hard Inquiries & Accounts My credit report contains unauthorized inquiries and fraudulent accounts that I did not open. 
Failure to Update Personal Information The credit bureaus have refused to update my personal details despite clear requests and proof. 
Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to block fraudulent accounts once a valid identity theft report is provided.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The bureaus have refused to verify the legitimacy of disputed accounts.

Failure to Protect My Data ( 15 U.S.C. 1681b ( g ) ) I was affected by the XXXX & XXXX data breach, leading to my personal information being compromised.

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 2025-02-12 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Social Security Number ( Last 4 Digits ) : XXXX Case Reference : Police Report # XXXX, FTC Identity Theft Report Subject : Request to Block Fraudulent Information Due to Identity Theft Summary of Complaint I am filing this complaint against [ Credit Bureau ( s ) and Collection Agency Name ] for failing to remove fraudulent information from my credit report, despite my identity theft claims, supporting documentation, and multiple requests for resolution. 

Issues Reported : Fraudulent Hard Inquiries & Accounts My credit report contains unauthorized inquiries and fraudulent accounts that I did not open. 
Failure to Update Personal Information The credit bureaus have refused to update my personal details despite clear requests and proof. 
Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to block fraudulent accounts once a valid identity theft report is provided.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The bureaus have refused to verify the legitimacy of disputed accounts.

Failure to Protect My Data ( 15 U.S.C. 1681b ( g ) ) I was affected by the XXXX & XXXX data breach, leading to my personal information being compromised.

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 2025-02-12 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: VA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-12 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: LA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

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 2025-02-12 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: IN

Complaint narrative:
I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.

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