vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: EdFinancial Services
State: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports I noticed some accounts that I am unfamiliar with. I have asked the CRA 's for validation of debt. However the information has not been provided. Due to my information being exposed, I have submitted a FT complaint reporting the information I am unfamiliar with.

Please find attached a copy of my Identification :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My truck had hail damage and insurance paid me to get it all fixed and truck had water damage.

I paid shop to fix all the paint that was damaged.

They left truck all scratched up They also replaced transmission and never put fluid in it making me have to buy a new transmission

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! I have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer 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 2025-04-06 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information reporting on my credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts that were opened or made without my consent. The following accounts are fraudulent and need to be removed from my credit report. 

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 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 With a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 non-monetary relief
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE.

UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING OF XXXX XXXX XXXX XXXX ITEMS FROM MY CREDIT REPORT, IMMEDIATELY.

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 2025-04-06 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify 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 2025-04-06 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: NY

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and noticed it included an address that does not belong to me : " XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX. '' On XX/XX/year>, I submitted a formal written dispute to TransUnion, including a copy of my government-issued ID, a utility bill showing my correct current address, and a copy of the credit report with the incorrect address highlighted. Despite providing valid supporting documentation, the address is still being reported and no confirmation of correction has been received.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was recieving my school finicial aid to my account and wgen it was time for it to be deposited it again my account was ckosed and nevee was able to get the money with no anawers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 non-monetary relief
Consumer complaint received 2025-04-06 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 am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion.

I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 

Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress.

I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe. 2. Require all three bureaus to provide full
documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

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 2025-04-06 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: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion.

I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 

Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress.

I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe. 2. Require all three bureaus to provide full
documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

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 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my federal student loan servicer, Nelnet, improperly shared or disclosed my private student loan information with an entity known as the Department of Government Efficiency ( DOGE ). This group is not a recognized federal agency, nor was I informed or asked for consent prior to the disclosure. This appears to be a direct violation of the Privacy Act of 1974 and FERPA ( Family Educational Rights and Privacy Act ). 

I filed a previous complaint on XX/XX/XXXX, but Nelnet responded with a generic explanation that ignored the core issue : why and how my records were disclosed to an unauthorized third party. My complaint was prematurely closed despite Nelnet failing to address or acknowledge this breach. 

This unauthorized access has compromised my personal financial data and has put my identity and loan status at risk. I am now seeking : 1. A formal investigation into Nelnets handling of my private student loan data.

2. Written clarification on any authority or legal basis used to release this information.

3. Immediate evaluation for full student loan discharge due to the privacy violation.

4. Enforcement action to ensure that my rights under federal law are upheld.

I have also submitted complaints to the U.S. Department of Education and Office for Civil Rights, and am requesting that this issue be escalated beyond the initial level due to its legal and personal implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital one bank dose not allow reasonable customer payment options in order to charge late payment fees and interest I believe this is unfair for customers. It puts customers in position to not to be able to pay down there balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: SC

Complaint narrative:
I called cash app about pending transaction that were duplicated charges and that money was taken out of my funds. They stranded it would fall off after a few days and money credit back. It never happened it was pending duplicate charges for over 30 days. It never fell off and I never got my funds happened multiple times. I sent them screenshots multiple times. Every time I called I got told it would fall off and they couldnt tell me why it had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I talk to someone and we went through some of the charges and haven't heard anything since

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I placed and order through a FB sale. I used XXXX as it is a part of my checking account with USAA. I was scammed. But USAA does not protect fraud. I assumed since this was an avenue to send money through my bank it would be protected. I called today and was told USAA does not back XXXX transaction. I would have never used this method if I knew USAA would not back. It bad business. I have been a member over 39 years and this is the second significant problem Ive had with USAA in two months. They are not the company they used to be.

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 2025-04-06 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: TX

Complaint narrative:
I disputed a purchase on XX/XX/XXXX for XXXX for a prom dress from XXXX that was never received from the merchant in the time they said they would send it. I asked the merchant for a refund since I was going to miss the event and it wasnt shipped. The merchant stopped responding to me. So I reported this matter to the FTC report number XXXX. My CASH APP card denied my dispute saying they relied on documents from the merchant. I have all the documents and correspondence so I dont know what this could be. I also dont have the item I paid for. I would like someone to help me let my card know that this is a real dispute and to refund me. I have all the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
FCRA Violations Inaccurate Credit Reporting, Charge-Off Misrepresentation, and Continued Collection Efforts Complaint Body : I am submitting this complaint to report numerous violations of the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies Equifax, Experian, and TransUnion along with furnishers who provided inaccurate data.

After reviewing my credit reports, I have identified at least 20 violations, including : Violations by Account Creditor/Account Violation ( XXXX ) Reported By XXXX XXXX XXXX XXXX XXXX Charged-off account still reporting a balance and listed as open. Violates 607 ( b ), 623 ( a ) ( 1 ) ( A ). Equifax, Experian, TransUnion XXXX XXXX XXXX XXXX XXXX Account reported as charged-off but collections continue. Duplicate balances across bureaus. Experian, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX balances and statuses across reports. Experian shows {$0.00} balance, TransUnion shows {$700.00}. Experian, XXXX XXXX XXXX XXXX XXXX Bank Account appears twice under different account numbers and dates. Violates 607 ( b ), 611 ( a ) ( 5 ). Equifax, TransUnion XXXX XXXX XXXX Account over XXXX XXXX XXXX still being reported. Violates XXXX ( a ). XXXX XXXX XXXX XXXX XXXX XXXX original creditor listed. Account unverifiable. Violates 609 ( a ) ( XXXX ). Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account not updated to reflect dispute. Ongoing collection attempts despite dispute. XXXX XXXX XXXX XXXX XXXX XXXX account shows as both paid and unpaid across reports. Violates 607 ( b ). TransUnion, Experian Violated FCRA Sections : 607 ( b ) Failure to ensure maximum accuracy 623 ( a ) ( 1 ) ( A ) Furnishing false or inaccurate information 605 ( a ) Reporting obsolete derogatory information 609 ( a ) ( 1 ) Failure to provide full account details 611 ( a ) Inadequate handling of disputes 611 ( a ) ( 5 ) Retention of unverifiable or duplicate entries Damages Calculation : Total Violations Identified : 20 Statutory Damages : 20 {$1000.00} = {$20000.00} Interest ( 6 % 2 years ) : {$2400.00} Total Compensation Sought : {$22000.00} I

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 2025-04-06 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: CA

Complaint narrative:
I am submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian credit report dated XX/XX/year>, incorrectly lists three addresses that I have never used or been associated with : 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 submitted a formal dispute with Experian, providing a copy of my ID, a utility bill for my current address, and the report marked to indicate the incorrect addresses. Experian has not removed the information or responded to my dispute.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, someone tried to add multiple times different amount of money to my Cash App. Then they withdrew {$580.00}. That was my balance on Cash App. I did not make this transaction. So I file a complaint with Cash App, and then I also looked into a rural account that it said it went to Contact Tham They couldn't verify my information all but my name. So they canceled that account and marked at fraud cash app declined my dispute and refused to refund the money

Company response to consumer: Closed with explanation