vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX regarding its handling of my student loan information and potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974.

Complaint Summary : Unauthorized Disclosure of Student Loan Information FERPA ( 20 USC 1232g ( b ) ) protects the privacy of student education records, including financial transactions associated with student loans. 

XXXX, as a servicer of federal student loans, maintains records that contain my personal information, including but not limited to my name, Social Security number, and loan repayment details. 

I have reason to believe that XXXX improperly disclosed or mishandled my personal student loan records without my authorization. 

Failure to Secure Personal and Financial Information The Privacy Act of 1974 ( 5 U.S. Code 552a ) states that agencies maintaining records on individuals must ensure the security and confidentiality of those records. 

Nelnets handling of my financial and personal data appears to lack adequate safeguards, leading to potential breaches of my privacy. 

I have encountered discrepancies in my loan servicing records and have received communications that suggest third-party access to my personal data without my consent. 

Lack of Transparency and Response to Privacy Concerns Despite multiple attempts to request clarification from XXXX regarding the handling of my records, I have not received a satisfactory response. 

My inquiries about how my personal data is stored, shared, and protected have gone unanswered, further raising concerns about potential violations of FERPA and the Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX regarding its handling of my student loan information and potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974.

Complaint Summary : Unauthorized Disclosure of Student Loan Information FERPA ( 20 USC 1232g ( b ) ) protects the privacy of student education records, including financial transactions associated with student loans. 

XXXX, as a servicer of federal student loans, maintains records that contain my personal information, including but not limited to my name, Social Security number, and loan repayment details. 

I have reason to believe that XXXX improperly disclosed or mishandled my personal student loan records without my authorization. 

Failure to Secure Personal and Financial Information The Privacy Act of 1974 ( 5 U.S. Code 552a ) states that agencies maintaining records on individuals must ensure the security and confidentiality of those records. 

Nelnets handling of my financial and personal data appears to lack adequate safeguards, leading to potential breaches of my privacy. 

I have encountered discrepancies in my loan servicing records and have received communications that suggest third-party access to my personal data without my consent. 

Lack of Transparency and Response to Privacy Concerns Despite multiple attempts to request clarification from XXXX regarding the handling of my records, I have not received a satisfactory response. 

My inquiries about how my personal data is stored, shared, and protected have gone unanswered, further raising concerns about potential violations of FERPA and the Privacy 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wife opened an account with capital and deposited my check. Now capital is saying the funds arent available for withdrawal because the check was deposited in my wife account. My wife always cash my checks for me since I dont have a bank account. They asked why my wife and I why didnt we do a joint account and I didnt have my ID at the time. Now capital wont release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. XXXXi. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: FL

Complaint narrative:
i had approx XXXX on my social security Direct Express Card. I tried to pay for a meal and it ws declined. I got home and called. she asked for my address ... ... XXXX have had this cad since XXXX. I gave to her and she told me that ws not what they had. I said, well, my case was determined in a court of law at a hearing and they had all information. It ws so bad, I did not even have to wait for a letter. The judge granted me XXXX on the spot.So all these years, i had received this card for XXXX.when i turned XXXX, they said would just roll over. Now this. I have hd NO MONEY since XX/XX/XXXX and i have myself and XXXX starving pets in home. this woman from supposedly Direct Express says she is sending me new card. I got the card. I took on the paper and it had little sticky note to call. after XXXX hours on hold, i was told i could not activate the card as there was fraud on it. The card had not even been activated yet. Since XX/XX/XXXX, I have had no money and i have spent at least XXXX hours on hold. I called comerica and i quote, the woman said " we have nothing to do with the social security. all we do is proivde the plastic card. I am now aware of the law suit you created on XXXX, XXXX. My old card, that i had in my hand, that they declined. I am assuming they moved the XXXX into the new card ... ... which i also can not access as they marked fraud even though i never was able to activate card. I did go into ssa account and changed my deposit info to checking account. But have i just lost the XXXX and the XXXX that was supposed to be deposited this XXXX. I am thinking of starting a XXXX XXXX XXXX. I have no mone to get me thru to third week of XXXX. Are they working to get thee fund back to us or have i just lost XXXX at age XXXX. What is being done with this law suit and with this crooked company? XXXX income and husband is XXXX we can't make it. I need that social security. My husband is not well as is and no telling how long he will last doing manual labor at age XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I received just recently in teh last XXXX  month emails from experian credit bureau and it was stating that I did not have a credit score ... which is wrong I have perfect credit paid off student loans paid off an automobile and im paying off a home current as of today. they will not post my good scores of over XXXX becasue they are trying to make me buy their credit monitoring product, prior to XXXX  months ago all my loans were there showing paid and excellent credit on the auto loan with XXXX XXXX and excellent credit on my loan with the department of Education paid in full both auto loan and student loans also my home loan was on their reports with experian, XXXX and XXXX all showing excellent credit over XXXX and also showing excellent payment history on my home with XXXX. Now they have removed everything and are telling me that I do not have any credit scores or a FICO score which use to be in teh XXXX range and they are telling me that teh only way to find it out is to buy their products. I do not want o buy their products and this is against the law. They can not erase my excellent credit history or stop showing the excellent payment history on my home of XXXX years never misssing or being late on a payment. I want them prosecuted to the fullest extent of the law and for them to have to fix everything on my credit history. I am extremely upset and will do what ever is needed to fine them and get them subjected to penalties.

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX wrote complaint to c/s of Comenity XXXX XXXX XXXX XXXX regarding my Reward Bal {$68.00} shown on billing stat. for total charges overseas {$4900.00} as I was promised by Comenity c/s rep at first contact to apply the reward to my bill so I can apply it to my payment due as : XXXX XXXX XXXX XXXX {$4900.00} which I did pay that in full. To my astonishment I got news as I still owed them {$68.00} after a month and was informed that Comenity had barred me to use the reward due to account was closed as of XX/XX/XXXX without my knowledge meanwhile I was still able to charge my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX as I was traveling overseas. Dont you think this is so utterly ridiculous as their excuse to not letting me use my reward dues to me. My complaint to Comenity was not answered till I call today XX/XX/XXXX & was told I still owed them {$70.00} now. Please help me straighten out these crooked bank and have them pay me back the {$70.00} as this is a scam from this crooked bank to cheated people out of their money. 
Your attention to this matter is very much appreciated! 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have hard inquiries over XXXX years old still on my credit reports and inquiries I dont know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
The accounts should not be listed on my report. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collection account. 

I have sent police reports and ftc fraud affidavit to the companies directly as well as the credit bureaus.

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 2025-02-17 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: FL

Complaint narrative:
The accounts should not be listed on my report. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collection account. 

I have sent police reports and ftc fraud affidavit to the companies directly as well as the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NV

Complaint narrative:
. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C XXXX ) that you the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX COLLECTIONS ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, these accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a letter and affidavit showing fraudulent items.I do not recognize the aforementioned accounts, collections and are a result of identity theft, and fraud, they were not opened, made or initiated by me. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally file a complaint related to the ongoing issues with fraud on the Zelle payment platform, and in particular, the lawsuit recently filed by the CFPB against XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for allowing fraudulent activities to persist on Zelle. 

As a consumer who has experienced fraud on the Zelle platform, I am deeply concerned by the allegations outlined in the CFPB 's lawsuit. It is clear that these financial institutions failed to implement adequate fraud prevention measures, leaving customers like myself vulnerable to financial harm. Despite numerous reports of fraudulent transactions and my own experiences with fraudulent charges through Zelle, these banks have not taken sufficient steps to protect consumers or to resolve disputes in a timely or effective manner. 

The lack of transparency, accountability, and the slow response times from these institutions in addressing fraud have led to significant inconvenience, financial loss, and emotional distress. Furthermore, the current state of consumer protections within the Zelle platform, particularly when dealing with fraud, appears to violate basic consumer protection laws. 

I respectfully request that the CFPB continue to pursue strong actions to ensure that financial institutions are held accountable for allowing fraud to proliferate on platforms like Zelle and to strengthen protections for consumers moving forward. I am seeking appropriate redress for the harm I have experienced and urge the CFPB to address the ongoing issues with Zelle and the financial institutions involved. 

Thank you for your attention to this serious matter. I look forward to hearing about the progress of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-17 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: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unauthorized Hard Inquiries on Equifax Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against Equifax Information Services LLC for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. I did not authorize these inquiries, and I suspect they may be a result of fraudulent activity or unauthorized access to my personal information. 

As a victim of the Equifax Data Breach, my personal data was compromised, making it highly probable that these inquiries stem from identity theft. I have formally disputed these inquiries under the Fair Credit Reporting Act ( FCRA ) XXXX, which requires Equifax to investigate and remove unverifiable information within XXXX days. However, Equifax has failed to provide any proof that I consented to these inquiries. 

Disputed Hard Inquiries : Company Name Inquiry Date ( XXXX ) XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX These unauthorized inquiries are negatively affecting my credit score and ability to access financial opportunities. Under 15 U.S. Code XXXXb, hard inquiries can only be made with my explicit written authorization. Since Equifax has failed to provide such documentation, these inquiries must be deleted immediately. 

I respectfully request that the CFPB hold Equifax accountable for failing to uphold its legal obligations under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
CFPB Complaint Unauthorized Credit Inquiries I recently reviewed my Experian credit report and found several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and financial stability. 

Additionally, my personal information was compromised in the XXXX Data Breach, which increases the likelihood that these inquiries resulted from identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) XXXX, Experian is required to ensure that hard inquiries are authorized by the consumer. 

I disputed these inquiries with Experian, requesting proof of my written authorization. However, Experian has failed to provide any documentation proving that I consented to these inquiries, nor have they removed them. This failure constitutes a clear violation of my rights under the FCRA. 

Unauthorized Hard Inquiries on Experian Report : Creditor Name Date of Inquiry XXXX ) XXXX of XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Dealer XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX of XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XX/XX/XXXX 2023

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 2025-02-18 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: IL

Complaint narrative:
CFPB Complaint Against Experian Subject : Unauthorized Hard Inquiries on Experian Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against Experian for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. These inquiries were not authorized by me, and I suspect fraudulent activity or unauthorized access to my credit profile. 

Under FCRA XXXX, credit bureaus must verify all information on a consumers report within XXXX days or remove unverifiable data. Since I did not authorize these inquiries, and Experian has failed to provide proof of my written consent, these inquiries should be deleted immediately. 

Disputed Hard Inquiries : Company Name Inquiry Date ( XXXX ) XXXX ) Cap XXXX NA XX/XX/XXXX XXXX ) XXXX XXXX Services XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Dealer XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX These inquiries have damaged my credit score and should not be on my file. Experian is legally required to remove inquiries that can not be verified with my written consent. 

This case requires immediate resolution to prevent further harm to my financial standing. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation