vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-05-02 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: OH

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. 
XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/year> XXXX account was hacked and a purchase was made at XXXX for {$410.00} and XXXX was {$150.00} and serval credit cards was open under my identity and withdraws from bank account have received data breach from XXXX XXXX XXXX and XXXX XXXX credit bureau will not freeze with out payment

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 2025-05-02 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, acting through an entity referred to as the Department of Government Efficiency ( DOGE ), directed access to multiple internal systems within the U.S. Department of Education, including databases containing sensitive information of individuals enrolled in the Federal Student Aid ( FSA ) program. My personal information was among the records improperly accessed, constituting a significant violation of federal law and a breach of my rights as a borrower. 

1. Violation of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) FERPA protects student education records from disclosure without consent. The unauthorized access and potential misuse of my records, including financial aid details, violates my rights under this law.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) This Act governs the collection, maintenance, use, and dissemination of personal information by federal agencies. The intrusion into and unauthorized use of my records by individuals not authorized to access such data constitutes a direct violation. 

3. Violation of the Higher Education Act of 1965 ( 20 U.S.C. 1091 et seq., especially 1098a and 1232g ) This Act mandates safeguards for borrowers information and outlines borrower rights and protections. The breach of data security violates the Department of Educations duty to protect borrower information as outlined in Title IV provisions. 

4. Breach of Contract and Negligence By taking out federal student loans, I entered into a contract with the Department of Education under the reasonable expectation that my personal and financial information would be protected. The Department failed to safeguard this data, exposing me to financial harm and identity theft, and materially breaching the terms of that agreement through negligence.

5. Potential Violations of the Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ) XXXX XXXX or his affiliates intentionally accessed Department of Education systems without proper authorization, this constitutes a federal crime under the XXXX. 

6. Violation of Executive Orders & Federal Data Protection Standards Numerous Executive Orders ( e.g., EO XXXX, EO XXXX ) mandate federal agencies to protect sensitive personal data through cybersecurity protocols. The breach indicates a failure to comply with federal cybersecurity requirements.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo fargo Slstarted charging me monthly fees from XX/XX/year> to present. I never had this problem over the years I thought this was the new Wells Fargo, but they are up to the old tricks again.

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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Dear CFPB, I submitted a complaint my local XXXX  XXXX XXXX about a Wire transfer not completing to the Receiving Band PNC BANK National Association. 

The Wire transfer was initiated on XX/XX/XXXX from XXXX XXXX XXXX  account # XXXX to PNC Bank Routing # XXXX to my Account XXXX XXXX XXXX XXXX XXXX # XXXX the amount of {$75000.00}. The Wire sequence # was XXXX. 

My Sending bank debited the amount on Monday XX/XX/XXXX but the receiving PNC Bank did not credit my XXXX XXXX XXXX account. I waited until XX/XX/XXXX to contact by email with XXXX on the issue. I called them on XXXX and discussed options. They told me to contact XXXX XXXX XXXX  and do a Wire Transfer Trace. That was initiated by my XXXX XXXX XXXX  on XXXX in the afternoon. No results yet have come back from XXXX XXXX XXXX  on Wire sequence XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: Sezzle Inc.
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 
I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 
I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Toyota Financial Services Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported by Toyota Financial Services to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are two reported late payments that appear inconsistently across the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. This inconsistency directly violates your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished.

Due to the inconsistencies in the dates of the alleged delinquencies, the accuracy of the entire delinquency reporting is now in question. As a result, I request that Toyota Financial Services either remove the late payments from my credit report entirely or delete the entire account, as permitted and required under the FCRA when information can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-02 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My CD with Synchrony Bank ending in XXXX matured on XX/XX/scrub>XXXX XXXX Back in XXXXXXXX XXXX XXXX  I called to inform the bank that I would like to have the account close and the money be transferred to an external savings account. It has been more than 3 business days since the maturity date and the account still remains open and money is sitting there without receiving interest. I called the bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to confirm that they were in the process of closing the account. Within those calls I was never once informed that there was a restriction placed on the account which prevents the bank from closing it. I called once again on XX/XX/XXXX and was told that such restriction did exist and that they were once again working on closing the account. I am not satisfied with Synchrony 's delay on closing my CD and the inconsistent information I received from the representatives I spoke with. My money is now still sitting in the account without gaining any interest while the bank is delaying the close-out process. As for the restriction that was placed on the account, I was told that was due to invalid mailing address on file. The address was confirmed to be valid back in XXXX and I have never once missed any mailed communication from Synchrony. For a bank to place a restriction on my account without a valid reason really baffles me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXXXXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$710.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
Thank you for the companys response. However, it confirms several violations of the FCRA and further supports my request for deletion of this tradeline : 1. The company confirms they are not the original creditor but admits they may have been inaccurately reporting as such. That alone is grounds for removal of the tradeline, as credit reporting must be accurate.

2. Their claim that it is the bureaus responsibility to correct errors they submitted is inaccurate. Furnishers are required under FCRA 623 to ensure they report correct information to credit bureaus. If an error occurred, they are obligated to fix it not the consumer. 
3. They acknowledged receiving a fraud claim in XX/XX/year> but continued reporting the account negatively without completing a timely investigation. Even if a fraud affidavit was not returned, they can not ignore the dispute or continue furnishing data without a complete and fair investigation. 
4. The company claims no verification request was made, yet Ive submitted multiple disputes through the credit bureaus dating back over a year, all of which should have been treated as verification requests under FCRA. 

I again request this account be permanently deleted from my credit report. Their inability to ensure accurate, verified, and timely reporting is causing ongoing financial harm and violates my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Kovo
State: MN

Complaint narrative:
I recently became aware of accounts opened in my name without my knowledge or authorization. I also was made aware that the names and information used to open these accounts was incorrect. 

I contacted the company to request verification of the original documents and information used to open this account as well as full account details. However, they were unable to provide these details. This lack of documentation, incorrect information they had on file, raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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