vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: WA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-03-13 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: Nelnet, Inc.
State: WA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CO

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 2025-03-13 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: TX

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-13 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$20.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Here is the list of fraudulent inquiries : 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 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Complaint Regarding XXXX XXXX XXXX XXXX - Account : XXXX Date Closed : XX/XX/year>XXXX  Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against the Credit Buraus for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than seven years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, the credit reporting agency has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Complaint Regarding XXXX XXXX XXXX XXXX - Account : XXXX Date Closed : XX/XX/year>XXXX  Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against the Credit Buraus for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than seven years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, the credit reporting agency has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
referencing CFPB case XXXX for XXXX XXXX XXXXXXXX I made a balance transfer from my XXXX XXXX XXXXXXXX XXXX to My Wells Fargo Active Cash card on XX/XX/year> for {$2900.00}. XXXX XXXX XXXX posted it on XXXX and I am told they tried to recall it on XXXX. 
The problem is I accidently included an extra number in the credit card account for Wells Fargo. I have talked to XXXX XXXX XXXXXXXX many times and they say the case is closed... they can't get the money back. I opened a complaint with CFPB. Wells Fargo says they can't help me. I have since been told by XXXX XXXX XXXX that Wells Fargo did indeed receive the transfer check and there is a Wells Fargo stamp on the back. I have asked for a copy of the front and back of said check and have not received it.

In this day and age of technology I find it hard to believe NOBODY can find the money. SINCE Wells Fargo did stamp the check as received. I consider it theft because it went NOWHERE. I can provide the " account number '' with the extra digit if needed and copies of the check if XXXX XXXX XXXX will do THEIR job. I can't afford to make payments on a transfer to pay off a credit card that did not happen. 
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 monetary relief
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX am {$3800.00} unauthorized transaction was done on my cash app.i file and called cashapp to get my money back. They had to transfer me to the right department. 2 days later they contacted me. Denided my unauthorized transaction, saying it was done from my device. Denided it again. They close my account. I have all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/year> I sent a domestical wire transfer from my Wells Fargo account to XXXX. I was getting guidance from a WF employee on the phone as I have not done an online wire transfer before. Unfortunately I put a wrong account number. I called later WF and disputed the transaction. XXXX still received the money but they sent back to WF. XXXX also provided me evidence and XXXX  number to track the transaction. WF still denying and make me file a new dispute every time I call. This issue is delaying my house purchase and I there is no WF branch in my area as they closed most of them. My money is stuck at WF 's limbo. Please help me get my money back as I am hard worker citizen and this delay might ruin me financially. 

Thank you

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 2025-03-13 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
I am filing this complaint because my personal and financial information related to my student loans was accessed, disclosed, or compromised without my authorization. Under the Family Educational Rights and Privacy Act ( FERPA ), my student loan records, including personally identifiable information ( PII ) and financial details, should have been strictly protected. However, despite these legal protections, my confidential information was mishandled, resulting in a serious breach of privacy.

This violation has put me at risk for identity theft, financial fraud, and other potential harms. I was not informed in a timely manner about how my information was accessed, who was responsible for the breach, or what steps were being taken to mitigate the damage. The failure to protect my student loan records is not only a clear violation of FERPA but also a failure to uphold borrower rights under federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-13 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: MOHELA
State: MA

Complaint narrative:
Spoke to MOHELA early XXXX as my account is showing a credit from school refunds in the amount of XXXX and XXXX totaling XXXX. 

Was told in early XXXX that the XXXX checks would be sent to me in XXXX business days. I asked if it could be direct deposited into the bank account they had on file, but they said checks would need to be issued, which was fine. 

Here we are over a month later, still no checks. So I called them today, an hour and XXXX minute wait, only to be told it's going to take XXXX  days .... I've had nothing but major issues with MOHELA and they can't even give consistent information. I've passed along this information to attorneys and other authorities as I don't want to keep spending time and effort dealing with such an incompetent company like MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Collection and Use of Financial Data by XXXX Musk-Associated Entities Dear CFPB, I am submitting this complaint to report the unauthorized and potentially illegal collection of my personal and financial data by entities associated with XXXX Musk XXXX XXXX but not limited to companies such as X ( formerly XXXX ) XXXX XXXX, XXXX others under his control ( DOGE ). 

I have reason to believe that my private financial information has been accessed, shared, or used without my consent or proper legal justification. This data breach has caused significant distress, including concerns over identity theft, invasion of privacy, and financial exploitation. I suspect that this unauthorized data collection may have contributed to or worsened my current financial situation, including debt and outstanding loans.

Given the severity of this situation, I am requesting a formal investigation into these practices and am seeking relief in the form of loan forgiveness, as the illegitimate use of my data may have contributed to unjust financial obligations. 

I am prepared to provide further documentation or details upon request. Thank you for your attention to this matter. 

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 2025-03-13 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: PA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Collection and Use of Financial Data by XXXX Musk-Associated Entities Dear CFPB, I am submitting this complaint to report the unauthorized and potentially illegal collection of my personal and financial data by entities associated with XXXX Musk XXXX XXXX but not limited to companies such as X ( formerly XXXX ) XXXX XXXX, XXXX others under his control ( DOGE ). 

I have reason to believe that my private financial information has been accessed, shared, or used without my consent or proper legal justification. This data breach has caused significant distress, including concerns over identity theft, invasion of privacy, and financial exploitation. I suspect that this unauthorized data collection may have contributed to or worsened my current financial situation, including debt and outstanding loans.

Given the severity of this situation, I am requesting a formal investigation into these practices and am seeking relief in the form of loan forgiveness, as the illegitimate use of my data may have contributed to unjust financial obligations. 

I am prepared to provide further documentation or details upon request. Thank you for your attention to this matter. 

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