vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company has violated my rights under XXXX XXXX XXXX sec XXXX. They also furnish my information without my written instructions which also violated my rights under XXXX U.S.C sec XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
i recieved a 30 day late on my report which is not correct i called in nov and made 2 payments on my account the customer service people dont speak good english for one i got a call from the manager who assured me in feb this would be fixed and it is not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MI

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MI

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 account listed without my expressed written consent.

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 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
according to the fair credit reporting act ( XXXX  ) Section XXXX it is illegal to report information on my credit report with my permission please update this information to paid as agreed ( 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
AN ACCT IS SHOWING IN MY NAME IN CHEXSYSTEMS FOR XXXX XXXX  HOWEVER NO BRANCH IS NEAR ME AND I HAVE NO IDEA OF ACCOUNT NUMBERS UNTIL I RECEIVED CHEXSYSTEM REPORT THIS IS FRAUD AND NOT MY ACCOUNT. I HAVE PREVIOUSLY SENT FTC REPORT ALONG WITH ID AND CFPB COMPLIAINT NOW AM SUBMITTING POLICE REPORT AS REQUESTED. THE ONLY VERIFICATION THEY HAD WAS ADDRESS MATCHED THIS IS NOT SUFFICIENT INFO FOR ME PERSONALLY AND AM HOPING IT IS REMOVED ASAP!!

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( XXXX  ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1200.00} Under the Fair Credit Reporting Act ( XXXX  ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received a debit card from Citi then I received a credit card and lastly a book of checks. I never opened an account with Citi. They stated the bank account was opened on the internet. My home address matched, name and Social. However, my employer on file was from 15 years ago and the phone number they had was from 30 years ago.

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 2025-03-17 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: NJ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$100000.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$2800.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request a review of my XXXX XXXX XXXX in light of potential FERPA Violations. XXXX has violated FERPA, My personal and financial information, also the Privacy Act of 1974. personal and financial information has been compromised without my authorization. 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. given the severity of this breach and the resulting compromise of my personal and financial information I request that Transunion, XXXX, and XXXX immediately cancel and discharge my student loan debt in full. The Privacy act of 1974 has been violated This Code as amended .5 USC 552a establishes a code of fair information practices that governs a collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records my federal agencies. I didn't authorize the Department of education, Transunion, XXXX, nor XXXX to share my personal information after reviewing my records, I have identified discrepancies/ misuse of my educational information, including but not limited to - ( describe the issue : Incorrect loan disbursement, unauthorized release of educational records, or errors in enrollment. accordance with FERPA regulations and consumer protection laws I request : 1. A full review of my student loan records, incorrect loan amounts, or disbursements and the deletion of my student loan debt 2. written confirmation of the findings of this review. 3. if this matter is not resolved I am prepared to escalate my complaint with FERPA ( Family policy compliance office ).

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request a review of XXXX XXXX XXXX XXXX in light of potential FERPA Violations. XXXX has violated FERPA, My personal and financial information, also the Privacy Act of 1974. personal and financial information has been compromised without my authorization. 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. given the severity of this breach and the resulting compromise of my personal and financial information I request that XXXX, XXXX, and Experian immediately cancel and discharge my student loan debt in full. The Privacy act of 1974 has been violated This Code as amended .5 USC 552a establishes a code of fair information practices that governs a collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records my federal agencies. I didn't authorize the Department of education, XXXX, XXXX, nor Experian to share my personal information after reviewing my records, I have identified discrepancies/ misuse of my educational information, including but not limited to - ( describe the issue : Incorrect loan disbursement, unauthorized release of educational records, or errors in enrollment. accordance with FERPA regulations and consumer protection laws I request : 1. A full review of my student loan records, incorrect loan amounts, or disbursements and the deletion of my student loan debt 2. written confirmation of the findings of this review. 3. if this matter is not resolved I am prepared to escalate my complaint with FERPA ( Family policy compliance office ).

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request a review of my student loan records in light of potential FERPA Violations. XXXX has violated FERPA, My personal and financial information, also the Privacy Act of 1974. personal and financial information has been compromised without my authorization. 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. given the severity of this breach and the resulting compromise of my personal and financial information I request that XXXX, Equifax, and XXXX immediately cancel and discharge my student loan debt in full. The Privacy act of 1974 has been violated This Code as amended .5 USC 552a establishes a code of fair information practices that governs a collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records my federal agencies. I didn't authorize the Department of education, XXXX, Equifax, nor XXXX to share my personal information after reviewing my records, I have identified discrepancies/ misuse of my educational information, including but not limited to - ( describe the issue : Incorrect loan disbursement, unauthorized release of educational records, or errors in enrollment. accordance with FERPA regulations and consumer protection laws I request : 1. A full review of my student loan records, incorrect loan amounts, or disbursements and the deletion of my student loan debt XXXX written confirmation of the findings of this review. XXXX if this matter is not resolved I am prepared to escalate my complaint with FERPA ( Family policy compliance office ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Based on your correspondence dated XX/XX/XXXXXXXX XXXX I understand that my account was restricted following a review by your fraud team, and a decision was made to end the banking relationship. You further stated that the remaining funds in my account would be returned to the originator but did not provide a specific timeline or confirmation of when this occurred. In addition, a second draw was sent to the same account on XX/XX/XXXX, and rejected by your institution due to the account closure. 

As of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX has been unable to confirm that the funds were returned to them. Given this, I kindly request the following information : 1. The exact date on which the funds were returned.

2. The recipient and account details to which the funds were sent.

3. Any official documentation or reference number associated with the return transaction. 

I would appreciate a prompt response to this matter, as these details are crucial for my financial records. XXXX XXXX XXXX is requesting I pay back the funds, that I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: WA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: WA

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 account listed without my expressed written consent.

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 2025-03-17 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: NY

Complaint narrative:
Experian removed fraudulent items from my credit report after I disputed them and then UNLAWFULLY added these accounts back on to my credit report without notifying me and without giving an explanation. The accounts that were added back to my credit report, are a result of identity theft and do not belong to me therefore they should not be reporting on my credit report ACCORDING TO SECTION605B OF THE FCRA.

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