vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
To my knowledge, but it is showing to before my discovery. As of XX/XX/XXXX, I have been hacked, and identity was stolen. I am also missing money from my XXXX XXXX account and possibly others. I still am trying to regain access to all my accounts, email, sign on 's etc.. to verify. Please note cell phone and computer hack began on XX/XX/XXXX. I am a part of the XXXX hack. My property XXXX XXXX XXXX XXXX XXXX contact manager XXXX XXXX is involved in the XXXX hacking. There has also been previous fraud and fraud activity at the address I currently reside at of XXXX XXXX XXXX XXXX XXXX Fl. XXXX. The fraud involves a previous tenant, XXXX XXXX. I learned all of this with the assistance of the US postal service and from feedback from a neighbor at XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX never disclosed any previous information about the property. 


Local law enforcement was notified and processed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
To my knowledge, but it is showing to before my discovery. As of XX/XX/XXXX, I have been hacked, and identity was stolen. I am also missing money from my XXXX XXXX account and possibly others. I still am trying to regain access to all my accounts, email, sign on 's etc.. to verify. Please note cell phone and computer hack began on XX/XX/XXXX. I am a part of the XXXX hack. My property XXXX XXXX XXXX XXXX XXXX contact manager XXXX XXXX is involved in the XXXX hacking. There has also been previous fraud and fraud activity at the address I currently reside at of XXXX XXXX XXXX XXXX XXXX Fl. XXXX. The fraud involves a previous tenant, XXXX XXXX. I learned all of this with the assistance of the US postal service and from feedback from a neighbor at XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX never disclosed any previous information about the property. 


Local law enforcement was notified and processed 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 non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
All of the following accounts on my credit report are fraud and needs to remove immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquires are not mine and need to be removed : 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 2025-04-12 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: GA

Complaint narrative:
All of the following accounts on my credit report are fraud and needs to remove immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquires are not mine and need to be removed : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/year> Sent notarized Power of Attorney via Certified Mail to XXXX XXXX XXXX XXXX. 

XX/XX/year> Dealership contacted me and provided a link to complete an online application. 

I submitted the application, but the online platform did not allow submission of supporting documents. 

I was notified that I was denied due to credit. 

I immediately emailed my full financial package, including Tender of Payment, POA, and instructions to the finance manager to correct the process. 

All communication from their end ceased. 

XX/XX/year> My hard-copy financial package was delivered via USPS.

I received notice from the dealership stating the documents would be forwarded to the CFO. 

XXXX XX/XX/year> I visited the dealership in person due to lack of follow-up. 

They acknowledged receipt of the package and said it had been forwarded to the CFO and legal.

I requested contact information for follow-up and was given two incorrect numbersboth led to XXXX XXXX XXXX customer service XXXX 

Despite multiple requests, I received no further contact from the CFO or legal department. 

XX/XX/year> Received adverse action letter from Bank of America. 

XX/XX/year> Sent first round of Certified Mail letters offering opportunity to cure. 

Letters were accepted and signed for, but were disregarded. 

XX/XX/year> Received adverse action letter from XXXX XXXX. 

XX/XX/year> Filed UCC-1 Financing Statement securing lien on the vehicle ( Filing # XXXX ). 

XX/XX/year> Received dealerships own version of an adverse action notice. 

XX/XX/year> Sent formal Notice of Default via XXXX Mail. 

XX/XX/year> Filed UCC-1 Financing Statement securing lien on the estate ( Filing # XXXX ). 

XX/XX/year> Notified by USPS that 5 Certified Mail letters were refused by dealership recipients. 

XX/XX/year> Issued and sent a notarized Affidavit of Non-Response and Dishonor. 

Sent Notice of Lien Enforcement for both vehicle and principal estate name.

This complaint involves misconduct by Land Rover Cherry Hill and their failure to forward my secured credit package to Bank of America, resulting in an unlawful denial of credit. A similar complaint is being filed against XXXX XXXX for the same violation involving the same dealership.

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 2025-04-12 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: FL

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

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 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Violation of Consumer Rights under the Gramm-Leach-Bliley Act Unauthorized Disclosure of Non-Public Personal Information I am writing to formally dispute and express serious concern regarding the unauthorized sharing of my non-public personal information ( NPI ) with third parties, including credit reporting agencies such as XXXX, XXXX, and XXXX. As a consumer, I was not provided with a clear and conspicuous opt-out notice, nor was I given a reasonable opportunity to exercise my right to prevent the disclosure of my personal information to non-affiliated third parties, as required by the Gramm-Leach-Bliley Act ( GLBA ), Title V, Subtitle A. My Personal Information, financial information, IRS docs, also Financial Assistance such as grants and loans were accessed without my consent which is a violation to the FCRA, the principles or privacy and purpose limitations can also apply to situations involving unauthorized access to financial aid data.

Under the GLBA, financial institutions are required to : Provide initial and annual privacy notices that clearly explain their information-sharing practices.

Offer consumers a reasonable means to opt out of the sharing of NPI with non-affiliated third parties.

I did not receive such notice or the opportunity to opt out, and as such, any sharing of my personal information without my explicit consent constitutes a violation of federal privacy laws.

Accordingly, I request the following : 1. A detailed explanation of what personal information was shared, with whom, and for what purpose. 
2. A copy of any opt-out notice you claim was provided to me.

3. Immediate cessation of any further disclosure of my NPI to non-affiliated third parties.

4. Written confirmation that my opt-out rights are now being fully honored and that no future disclosures will occur without proper notice and consent.

5. Cancellation of Student Loan Debt due to this data breech which invaded my PII and Financial information without my consent.

If this matter is not resolved promptly, I will be forced to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory authorities. 

Please consider this letter a formal dispute and request for compliance under the GLBA. I expect a written response within 30 days of receipt of this letter, as required under applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DC

Complaint narrative:
Credit companies continue to report 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 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood closed my account and is holding my money hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Please see supporting documents pertaining to XXXX data breach identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX { Last XXXX XXXX XXXX } XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX Dispute Resolution Team XXXX I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX XXXX breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, 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 2025-04-12 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: OH

Complaint narrative:
I am filling these complaint to formally dispute inaccuracies in my credit report and to request a fair and accurate resolution. I respectfully ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be corrected or removed promptly to reflect the truth. 

The following items require review : XXXX  ( Account ending in XXXX ) : Balance Owed {$0.00} XXXX DEPT STORE ( Account XXXX in XXXX ) : Balance Owed {$950.00} XXXX XXXX XXXX BANK XXXX Account XXXX XXXX XXXX ) : Balance Owed {$2100.00} XXXX  ( Account ending in XXXX ) : Balance Owed {$16000.00} Chapter XXXX Bankruptcy ( Reference # : XXXX ) Dismissed on XX/XX/year>, XXXX Bankruptcy XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
It is imperative that this account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Capital One Quicksilver Visa Credit card which I closed on XXXX XXXX XXXX, by calling Capital One. At the time of closing of the credit card, the Capital One representative ( in a recorded call ) made sure that : 1. I made the needed payment to close the account.

2. I was credited for my rewards points.

3. There were no pending charges at that time The credit card was closed and I was told that all future charges on this card will be declined. 

However, a new charge of {$2600.00} has been posted on the account on XXXX XXXX XXXX. The attached credit card statement shows that the account was closed on XXXX XXXX XXXX and a new transaction of {$2600.00} was conducted on the card on XXXX XXXX, and then posted to the account on XXXX XXXX XXXX

I called Capital One to inquire about it, and while they agree that new charges should not have been posted on the credit card account after it has been closed, they advised me that it would be better to dispute the charge with the vendor. While I have given Capital One the needed information for disputing the charge, the posting of this charge is a violation of the basic rules, and I would like Capital One to remove that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-04-12 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:
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 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 2025-04-12 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ive tried to get this resolved it still showing on my credit card. It is charged off and showing as closed but still bad notes on my credit. I told them previously I dont know who was using the card it wasnt me. I paid what I owed anything after thats is not on me. I need this taken off of my credit!!

Company response to consumer: Closed with explanation