vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2025, unauthorized activity occurred on my XXXX account, including access from a foreign IP, unauthorized email change, and the theft of assets through XXXX spending account and crypto wallet. 

I reported the incident on XXXX XXXX, 2025, which is within the 60-day window prescribed by Regulation E ( 12 CFR 1005 ). However, I did not regain access to my account until XX/XX/XXXX, which prevented me from verifying the full extent of the loss until then. 

XXXX partially reimbursed some unauthorized transactions, confirming that they acknowledged my account had been compromised. However, they denied reimbursement for the remaining fraudulent activity without offering any clear justification or breakdown. Their final communication simply stated that some activity may be reimbursable, where as other activity may be ineligible, without specifying why, how, or under which Regulation E exemption.

Additionally : My account email was changed without notice or security challenge.

I received no alerts for large, irregular transactions.

My crypto wallet was created and used for unauthorized outbound transfers without requiring additional identity verification.

The transaction origin ( IP ) appeared to come from XXXX, XXXX, yet no abnormal activity triggers were initiated by XXXX systems. 

This raises serious concerns about XXXX internal fraud controls, customer communication protocols, and Regulation E compliance. Their failure to fully reimburse me appears to be arbitrary and unjustified. Furthermore, their process has lacked transparency and failed to provide documentation of their internal findings, contrary to what a consumer should expect under Regulation E.

I am requesting the CFPB to review XXXX failure to : 1. Provide full reimbursement for unauthorized transactions.

2. Comply with Regulation Es disclosure and timing obligations.

3. Uphold reasonable fraud detection and account security procedures.

I am happy to provide additional documentation, including my communication timeline, support emails from XXXX, and bank transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I called Bank of America to make a payment, specifying they I wanted it to go to principal only. They promised that it would due to how large the payment was. I just received a letter saying that they applied it partially to the interest.

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 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am writing to formally request an immediate investigation into the loan account associated with the XXXX XXXXXXXX XXXX I purchased through XXXX in 2020 and financed through Bridgecrest. 

At the time of purchase, I made a {$6000.00} down payment directly to XXXX, which left my remaining loan balance at approximately {$17000.00}. Since then, I have made consistent and substantial monthly payments on this loan for three consecutive years. 

However, I have recently discovered with great concern that my loan principal appears to have only been reduced by approximately {$2000.00} during this entire period. This discrepancy is alarming and suggests a possible error or oversight in the management and application of my payments. 

Given the size of my down payment and the length and consistency of my repayment history, I believe that my loan should have been substantially or fully paid down by now. I am requesting a detailed audit and explanation of how my payments have been appliedspecifically, how much has gone toward principal, interest, and any fees. 

If I do not receive a timely and thorough response addressing this matter, I am prepared to seek legal counsel and pursue all available legal remedies to ensure this issue is resolved and my rights are protected. 

Please treat this request with the urgency it requires. You may reach me directly at the contact information provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am enrolled in an income-driven repayment ( IDR ) plan for my fXXXX XXXX XXXX, which Nelnet services . My monthly payments have been miscalculated, resulting in significantly higher payments than what is allowed under federal IDR rules. Specifically, my payment exceeds the percentage of discretionary income allowed under the SAVE or REPAYE plan.

Despite providing updated income and household size information, Nelnet has failed to adjust my payment properly and has not given me a clear breakdown of how the amount was determined. Ive also reviewed recent claims made in a federal class action ( XXXX v. Nelnet Servicing , LLC ) that allege Nelnet miscalculates IDR payments across many borrowers. 

This issue has created a financial hardship and appears to reflect systemic servicing errors. I am requesting the CFPB 's assistance in requiring Nelnet to : 1. Recalculate my monthly payment based on accurate income and family size using the proper IDR formula 2. Provide a full breakdown of how the payment was calculated 3. Correct any related negative credit reporting if inaccurate amounts have been reported 4. Cease all further inaccurate billing until validation is complete I have attempted to resolve this directly with Nelnet but have received vague or no responses. I am requesting the CFPB intervene to ensure compliance with federal loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-15 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: Nelnet, Inc.
State: WA

Complaint narrative:
Formal Complaint : Request for CFPB Intervention in Federal Privacy Violations and Student Loan Debt Cancellation To : Consumer Financial Protection Bureau From : XXXX XXXX Subject : Urgent Complaint Unauthorized Disclosure of Student Loan Data and Demand for Loan Cancellation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request immediate intervention regarding a serious breach of federal privacy protections involving my federal student loan data. I believe the Department of Education and its contracted servicers, including Nelnet, have failed to safeguard my personal information as required by lawspecifically under the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention, through multiple reports, that an unauthorized entitynamely the Department of Government XXXX ( XXXX ), led by XXXX XXXX improper access to sensitive borrower information contained in the federal student loan database. This includes the exposure of my Social Security number, financial data, and loan records without consent or legal justification. 

These actions constitute a gross violation of my privacy rights and federal data security obligations. As a result, the terms of my loan agreement have been fundamentally breached, undermining the legal and ethical basis for its enforcement. I now request the immediate cancellation of all student loans associated with my account on the grounds of data compromise and institutional failure. 

The loans in question are as follows : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that : Written confirmation be provided that these loans have been fully discharged, All records be removed from credit reporting agencies, A full investigation be conducted into the data breach and misuse of borrower information, and The Department of Education and relevant servicers be held accountable for their failure to protect my data.

This matter is urgent and has direct consequences for my financial and personal security. I request that the CFPB escalate this issue, investigate these unlawful disclosures, and take action to enforce borrower protections. 

Please confirm receipt of this complaint and advise me on the next steps within 30 days. I am prepared to also file with the Federal Trade Commission ( FTC ), contact my congressional representatives, and pursue legal remedies if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I received a copy of my credit and notice fraudulent accounts please remove it is holding me up from obtaining credit.

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 2025-05-15 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-15 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Issue Summary : I am submitting a complaint against Experian for continuing to inaccurately report a XXXX XXXX  account in connection with a discharged XXXX  XXXX bankruptcy, despite multiple disputes and reinvestigations. The latest dispute was resolved on XX/XX/XXXX, but the tradeline remains inaccurate and misleading. 

Key Issues : The account status still reflects Discharged through XXXX XXXXXXXX XXXX but fails to accurately reflect the correct date of last activity or closure. 
The " Before Dispute '' data listed the status date as XX/XX/XXXX, while the " After Dispute '' data incorrectly reports the date of status as XXXXwell before the actual bankruptcy discharge date, and without clear substantiation from Experian. 
Experian failed to conduct a meaningful reinvestigation. They did not provide any verification or documentation confirming the accuracy of this reporting, nor did they explain the reason for the inconsistent update. 
The account now says Never Late, yet is still labeled as discharged through bankruptcy, which creates confusion and potential misinterpretation by lenders.

Experian is in violation of : FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) failure to delete or correct information that can not be verified.

Consumer Harm : This incorrect and misleading reporting has contributed to : Credit denials and higher interest rates Reputational harm Emotional distress and lost financial opportunities

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 2025-05-15 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-15 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
I recently checked my credit report and realized that it contains unauthorized inquiries I have listed them below. 
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 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 explanation
Consumer complaint received 2025-05-15 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 non-monetary relief
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Complaint Type : Credit reporting issue Issue : Improper use of my credit report Sub-Issue : Report includes inquiries I didnt authorize Complaint Description : I am writing to dispute several unauthorized hard inquiries on my credit reports from TransUnion XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX I did not authorize or initiate any of the following hard inquiries and have no knowledge of applying for credit with these companies : 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 These inquiries were made without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), hard inquiries require a consumers explicit written consent. Additionally, FCRA 1681b ( f ) prohibits accessing a consumer report without a permissible purpose, and 1681c-1 offers protection in cases of potential identity theft. These inquiries may violate those provisions.

I request the CFPB assist in investigating this issue and compel the credit bureaus and creditors to : 1. Investigate and verify whether I authorized these hard inquiries.

2. Immediately remove any inquiries that can not be proven to be authorized.

3. Provide written confirmation of the results of their investigations.

4. Disclose the purpose, method, and origin of each hard inquiry.

Please consider this matter urgent as it impacts my creditworthiness.

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 2025-05-15 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: PA

Complaint narrative:
Complaint Type : Credit reporting issue Issue : Improper use of my credit report Sub-Issue : Report includes inquiries I didnt authorize Complaint Description : I am writing to dispute several unauthorized hard inquiries on my credit reports from XXXX  XXXX Equifax XXXX XXXX, and XXXX XXXX XXXX I did not authorize or initiate any of the following hard inquiries and have no knowledge of applying for credit with these companies : 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 These inquiries were made without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), hard inquiries require a consumers explicit written consent. Additionally, FCRA 1681b ( f ) prohibits accessing a consumer report without a permissible purpose, and 1681c-1 offers protection in cases of potential identity theft. These inquiries may violate those provisions.

I request the CFPB assist in investigating this issue and compel the credit bureaus and creditors to : 1. Investigate and verify whether I authorized these hard inquiries.

2. Immediately remove any inquiries that can not be proven to be authorized.

3. Provide written confirmation of the results of their investigations.

4. Disclose the purpose, method, and origin of each hard inquiry.

Please consider this matter urgent as it impacts my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove the account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation