vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was online access waw locked due to muliple attempts login they told me to call but i called and i gave all the information i dont have security word but all i get is they cant help

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 2025-04-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: CA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I submitted formal written requests to XXXX XXXX and XXXX  to investigate and validate multiple negative items reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from any of the three credit reporting agencies. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires credit reporting agencies to provide a consumer with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher of the information. 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, none of the agencies have fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in over {$40000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

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 2025-04-25 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: IN

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 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 2025-04-25 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: CA

Complaint narrative:
On XXXX XXXX, 2025, XXXX XXXX and the Department of Government Efficiency gained access to multiple internal systems within the Department of Education. I am writing to formally express my concern and outrage regarding the reported unauthorized access to federal student loan data by the Department of Government Efficiency ( DOGE ), an entity reportedly under the leadership of XXXX XXXX. 
As a federal student loan borrower, I am alarmed that DOGE has reportedly accessed sensitive and personally identifiable information of over 42 million borrowers, including potentially my own. This breach of trust and data privacy may represent a direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), among other federal privacy protections. 
As a result of this egregious breach and the lack of transparency surrounding DOGEs authority and data handling practices, I am formally requesting that my federal student loans be discharged immediately. I believe this violation of my personal data rights, compounded by the involvement of a non-educational, private or third-party entity, constitutes sufficient grounds for relief. 
I am requesting the CFPB and Department of Education ( or the appropriate oversight body ) to take the following actions : 1. Initiate a full investigation into the scope and nature of DOGEs access to borrower data.

2. Provide a full accounting of what data related to my student loans was accessed, by whom, and for what purpose.

3. Approve immediate discharge of my federal student loans as remediation for this breach of my privacy rights and the potential misuse of my personal information.

Please consider this request urgent and of the highest importance. I am prepared to provide any necessary documentation or participate in further review if needed.

My personal and financial information was compromised without my authorization. The Family Education 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 you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Attempted to cash a check from an insurance claim that we recently received on XX/XX/XXXX for {$2400.00}. This was the second payment from the home insurance policy. I had cashed the first check ( on XX/XX/year> for {$17000.00} ) a few weeks back with no issues at the same branch office. Each of the checks were made out to myself, my wife, and the insurance adjuster. Checks were endorsed by all three parties. The bank was Capital One on XXXX XXXX, XXXX XXXX. 

For the second check, the branch told me that they would require the insurance adjuster to be present in order to deposit the check. When I informed them that they deposited the first check a few weeks back, THEY IMMEDIATELY FROZE ALL OF MY ACCOUNTS. They would not allow access to my accounts until the insurance adjuster showed up in person. Luckily, he was able to come that day, but it was a very scary situation to be in. It's not the fault of the customer that the branch did not follow their own procedures a few weeks back when they cleared the check without the insurance adjuster being present. I don't believe a bank should be able to freeze funds for such reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: WA

Complaint narrative:
My CashApp debit card was used without my authorization. My wallet was stolen XX/XX/XXXX and used on XX/XX/XXXX and XX/XX/XXXX with various cards including the CashApp debit card for two " XXXX '' transactions. The card was reported stolen XX/XX/XXXX... CashApp says they did an " investigation '' and have determined that I have " authorized '' the transaction when I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc.
State: GA

Complaint narrative:
On ( XXXX/25 ), I submitted formal written requests to XXXX XXXX, and XXXX to investigate and validate multiple negative items reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from any of the three credit reporting agencies. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires credit reporting agencies to provide a consumer with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher of the information. 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, none of the agencies have fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in over ( {$42000.00} ) in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 two Bureaus 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 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 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 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 non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I failed a class at XXXX XXXX and I was told I had to pay! XXXX XXXX put me on a payment plan XXXX payments and I pay all XXXX payments. I pulled all XXXX credit reports and I notice ONLY on " TransUnion '' a Company by CONSERVE is on my credit as a collection for XXXX XXXX. I have submitted my XXXX receipts that XXXX payments was paid as AGREED to TransUnion.

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 2025-04-25 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that I did not open. After looking into it further, I can confirm that this account is the result of unauthorized and fraudulent use of my personal information. I had no knowledge of this account, did not authorize it, and have never had any dealings with the company listed. This is a clear case of identity theft.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-25 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: TN

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This was an unauthorized and fraudulent use of my identity. I never gave anyone permission to pull my credit, and I had no involvement in requesting or approving this inquiry. Its a clear case of identity theft, and the inquiry was made without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-25 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 CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
1.What happened? 
I created a PayPal account in XXXX 2025 using a valid U.S. ITIN, passport, and W-8BEN form, as I do not have a SSN. 
I was in the process of providing proof of address, as requested by the agent. 
However, my account was suddenly and permanently limited before I could submit the address document. 
I have not violated any policies or conducted any transactions. 
PayPal refused to give any specific reason and simply said it was their " sole discretion. '' They denied all appeal and refused to escalate to a supervisor. 
I believe this treatment is unfair, and I request an explanation and review. 
2.What do you want the company to do?

3. ( Account Info ) Company name : PayPal Your PayPal email : provide later Do you have an account with them? Yes Account type : Personal Have you tried to resolve this with the company? Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
This inquiry was done online without my knowledge or permission. I did not initiate it, nor did I authorize anyone to access my credit. Its a fraudulent inquiry and a clear violation of my privacy.

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 2025-04-25 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 carefully reviewing the information tied to this account, Ive noticed several discrepancies that raise concerns. Some of the data does not appear to be mine, and there are entries that I dont recognize or recall authorizing. This includes inconsistencies in personal details, activity records that dont align with my usage, and other anomalies that suggest the account may contain mixed or inaccurate data. Given the nature and volume of these issues, I no longer have confidence that the data on file accurately reflects my information alone.

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