vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-01 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: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA SectionXXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code XXXXn, Commerical Law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate and improper information that is currently being reported on my credit profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into the errors and correct any inaccurate information immediately. Furthermore, I request that any incorrect names, addresses, or other personal information that do not match my current address, XXXX XXXX XXXX, XXXX, Florida XXXX, be deleted from my credit file. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has previously sued Equifax and Experian for engaging in sham investigations regarding consumer disputes. As such, I am requesting that you conduct a legitimate and comprehensive review of my credit file to ensure compliance with federal law and to correct any discrepancies without delay. 

Under the FCRA, you have XXXX days from receipt of this letter to investigate and respond. If you fail to comply with this request, I will be left with no choice but to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please send me a written confirmation of the results of your investigation, along with an updated copy of my credit report once the necessary corrections have been made. If you need any additional information from me to process this request, please do not hesitate to contact me. 

I expect your prompt attention to this matter and look forward to your resolution within the time frame mandated by law.

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My boss had her Wells Fargo account taken over by fraud on XX/XX/year> and in the process they sent {$730.00} to me through XXXX. When they sent that money to me, she was in a Wells Fargo branch getting her account back and making a claim against the charges on her account. So when she did get her account back, I sent the money back to her but she had no access to it because of the claims she filed. Her claim was resolved on XX/XX/year> because that's when they reversed the original {$730.00} I sent back to her and pushed my account into the negatives. The original lady I talked to on XX/XX/year> through the ( XXXX ) XXXX number said that all I had to do was get the money back from my boss because that's where the money should be, but it was not. On Friday XX/XX/year> I called that same number again to make a claim. The claim was originally a fraud claim but turns out that wasn't the right category for it so they denied the claim on XX/XX/year> and suspended my account. I called on XX/XX/year> to see why my account was suspended but it turned out that they suspended it because of the claim but couldn't tell me any more. I asked about any updates on the claim because at that point, I thought it was still open, I didn't get the letter saying it was denied until XX/XX/year>. On XX/XX/year> they told me it was still open and active, it was not. I called on XX/XX/year>, the day following when I found out the claim was denied and talked to XXXX about it and he told me because it was not a fraud claim but instead it was a 'secure ' transaction because I sent it back to her even though she never received the money. They told me it needed to be under the category of money transfer instead and to which it is currently still being investigated. Whoever I originally filed a claim with on XX/XX/year> and XXXX, who I talked to on XX/XX/year>, both did not tell me it was filed under the wrong type of claim. Everyone I talked to through Wells Fargo could not give me a straight answer as to where my money went, when I'm going to get it back, and what was happening the whole time.

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 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Account was opened XX/XX/scrub>/23 and credit limit was {$1000.00}. The name of account is SYNCB/CARECR. I spent {$800.00} in XXXX XXXX XX/XX/scrub>/23 using this card. I tried to pay for the card every month but I lost my job and I could not pay for the credit card anymore. Every month I started receiving letters from the company with a very high interest rate. I tried to contact the company many times but they did not want to talk to me. I asked many times to send a physical card to my address but they did not send it. I have not used this card for a long time because I dont have this physical card or online account. I cant to enter my account because they dont want to send me password or just help me with my problem and my debt became {$1300.00}. And Im shocked.

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
XX/XX/XXXX approximately XXXX. I was attempting to withdraw funds from my Robinhood account when I got a restriction notice. I called support and they confirmed it was an automated system flag, not generated by a real person at the desk. Ive been using Robinhood since XXXX and have never had a restriction from account withdrawal. I have two bank account I use, one for setting aside estimated taxes due from capital gains tax and the other is my primary account for bills and paycheck deposits. Both banks are actively linked to the account still. The withdrawal amount was for estimated taxes on capital gains from the last week of XX/XX/XXXX. Not even XXXX my account value. So I submit documents Robinhood requested, state issued ID, Live Photos of myself, and bank statements from both Banks. Now I have been waiting for Robinhoods Review team to finish reviewing my case. But the dates keep changing. I can provide pictures to prove it. I sent over 40 email attempts for clarification on the review process without ever being responded by an actual human, every response was auto generated and the names of the representatives changed with each response. Today XX/XX/XXXX I received an auto generated email stating my case with Robinhood # XXXX was closed. But the restriction was still in place. So I contacted support to ask if the review team is able to get in contact with me before or on the date the app says they will contact me by and the support team was unwilling to confirm that it was accurate information, when asked to speak to the manager of the support personal, I was denied access and immediately hung up on. This has caused irrevocable finance harm to me and my family, as all of my money is in my account and I can not access it. I have to pay rent tomorrow and unless my restriction is lifted so I can access my money to pay my bills I will be homeless by proxy of Robinhoods inability to provide services in a fair, accurate and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
am writing to formally dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. Upon reviewing my credit report, I have identified the following inaccurate item ( s ) that I request to be investigated and corrected or removed immediately : Disputed Item ( s ) : Account Name : Midland Credit Management Balance : {$350.00} Account Name : Midland Credit Management Balance : {$440.00} Under the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. If the disputed item ( s ) can not be verified, they must be deleted or corrected as per 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account Name : XXXX XXXX XXXX/ XXXX Account # : 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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
I received letter from a company impersonating the XXXX Department of afni. The letter was an attempt to collect a debt owed to XXXX XXXX with a false claim number. Also, the alleged date of this accident took place before my company existed. They are threatening legal action if the balance isn't paid. 

There is a toll free number that does not match the number listed on afni 's actual website and an address for website for a payment website that redirects you to a landing page which clearly is not belonging to the real afni. There is also legitimate appearing notice stating that " All conversations with Afni XXXX be recorded ''. 

This is their info : afni Subrogation Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report inXXXX XXXX. Please update this inaccuracy on my credit report as soon as possible. I am writing to dispute an inaccurate late payment on my credit report on my auto loan. I was never late! Why are you reporting a late payment on file? I want immediate changes to correct my profile, I want this payment to be changed to paid as agreed or OK. I made 100 % on-time payments every single month on this auto loan, and the reported late payment in XX/XX/XXXX is reporting inaccurately. Correct this error immediately to correct my credit profile. I have supported documentation to resolve this error. According to the ( FCRA ) these are the laws youve violated! And I would be uploading this on the CFPB, I want immediate action to correct my consumer report before I take further action and escalate this further! Thank you for your time.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2025-03-02 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: Nelnet, Inc.
State: WA

Complaint narrative:
I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( XXXX ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. XXXX explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information. 
Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent.

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as XXXX or affiliated organizations. 
3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with XXXX regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within XXXX  days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/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 2025-03-02 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: Concord Servicing Corporation
State: MS

Complaint narrative:
CONCORD SERVICING LLC Date opened XX/XX/year>12 Balance {$890.00} Status Open I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC 1666b, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.

Company response to consumer: Closed with explanation