vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: NV

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. Which was not upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NV

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. Which was not upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NV

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. Which was not upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
We are the court-appointed administrators of the Estate of XXXX XXXX XXXX XXXX , a longtime Navy Federal Credit Union ( NFCU ) customer who passed away on XX/XX/XXXX. We are filing this complaint to report NFCUs systemic obstruction, mismanagement, and unauthorized seizure of estate assetstotaling over $ XXXX being formally notified of XXXX XXXX guardianship and later, his passing. 

Despite submitting court-certified guardianship papers on XX/XX/XXXX, and later Letters of Administration on XX/XX/XXXX, NFCU : Locked account access and refused all digital visibility Denied written procedures for how guardians or administrators could manage XXXX XXXX accounts Required phone calls during business hours to request payments without ever providing a list of allowed transactions Promised a wire transfer of estate funds ( on XX/XX/XXXX ), only to later deny it on XX/XX/XXXX without legal justification Instead, NFCU decidedunilaterally and without court approvalto apply estate funds toward a car loan balance, despite no delinquency ever disclosed. The administrators were not given the option to assume or refinance the debt ; instead, we were stonewalled, belittled, and dismissed. Our repeated requests for clear, written communication were denied. 

This constitutes an unlawful denial of access and control over the decedents assets and a misuse of authority under the Right of Offset. NFCUs conduct amounts to financial abuse of fiduciaries, in violation of estate law, consumer protection statutes, and basic contractual obligations. 

We are requesting that the CFPB investigate Navy Federal Credit Union for their mishandling of estate assets, abusive customer service behavior, and noncompliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off entry on my credit report regarding my XXXX XXXX XXXX  XXXX account ( Account Number : XXXX ). 

Upon reviewing my credit file, I have identified several reporting errors that violate the Fair Credit Reporting Act ( FCRA ) : 1. Incorrect Balance Reporting : The account was charged off in XX/XX/XXXX, yet a balance of {$6800.00} is still being reported. If the debt has been sold or settled, the original creditor must report a {$0.00} balance. 
2. Repeated Charge-Off Entries : The payment history incorrectly shows CO for multiple months after the charge-off date. A charge-off is a one-time event, and the continuous updates negatively impact my credit score unfairly.

3. Inaccurate Status Updates : The account was last updated in XX/XX/XXXX, long after the charge-off event. Charge-offs should not be continuously updated, as this artificially extends the damage to my credit history. 

Due to these inaccuracies, I request that this erroneous account be removed from my credit report immediately. Please investigate this matter and provide me with an updated report reflecting the corrections.

Under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate and respond within 30 days of receiving this letter. If you can not verify the accuracy of the information with the original creditor, the item must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
there's a nagative mark with my name attached to it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was alerted that there were multiple inquiries on my credit report and I did not authorize these inquiries whatsoever. I have contact ed all the companies listed and they either could not provide me with any info regarding who applied or they could not tell me what the inquiry was for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
THE FOLLOWING ACCOUNT IS NOT MINE AND WAS OPEN WITHOUT MY CONSENT ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
2024 my personal information experienced a data breach from XXXX XXXX. This has compromised my personal information resulting in negative marks on my credit report. I want all three bureaus to verify accounts, and they can not I want negative marks deleted. This account does not belong to me and may have resulted from identity theft due to the 2024 data breach. Credit bureaus must investigate and remove unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
2024 my personal information experienced a data breach from XXXX XXXX. This has compromised my personal information resulting in negative marks on my credit report. I want all three bureaus to verify accounts, and they can not I want negative marks deleted. This account does not belong to me and may have resulted from identity theft due to the 2024 data breach. Credit bureaus must investigate and remove unverified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have inaccurate information on my credit report that was not me. There is Bankruptcy XXXX  XXXX from XXXX showing. My information was incorrect. Or stolen. There are inquiries for several different vehicle loans that I did not do or have gotten. Those inquiries are fairly new from this year XXXX. I have over 80 inquires within the last 90 days making my score go down. I also have collections that was paid that should not being showing still on my report. I have not done these things to be reflecting on my report. I am looking to see how these can be removed from my report. It has effectively stopped me from getting things I need in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have addresses and inquires on my credit report that do not belong to me. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE delete the following addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I THE FOLLOWING INQUIRES ARE UNAUTHORIZED PLEASE DELETE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 dont

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance to the fair credit reporting act this creditor violated my rights 15 usc 1666b states a creditor may not treat a payment on a credit card account under end consumer credit plan as late for ANY purpose unless the information in section 1637b was mailed to the consumer no later than 21 days which they did not do.

15 usc 1681 section 602 states I have the right to privacy and in 1681 604 a section 2 it states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have been paying my Car Loan with Santander since XX/XX/XXXX. At the time, I was desperate for a car as my previous vehicle had stopped working completely. I barely made enough money to make ends meet, however the only loan I got approved for was with Santander for my XXXX XXXX XXXX. I ended up getting stuck with a 72 month loan with a 25.06 % APR rate. The amount financed was {$19000.00}. I have been faithfully making payments on my Santander account since I have gotten this loan. It has not been up until recent months that I have had really bad financial hardship and have gotten behind on my loan. Now I am receiving papers in the mail threatening to get my car taken away, although I am still making payments on the vehicle! 
Earlier this month I paid {$560.00}, and the month before I paid {$600.00}. I could see if I was not making payments AT ALL, but I am still paying on the account. In total, I have paid Santander {$19000.00}. This account is paid off, yet it still says I owe them over {$16000.00} STILL! On my credit report, it says I've only paid {$3500.00} on this loan which is NOT TRUE! On top of this, I am STUCK with this vehicle because no other companies AT ALL are willing to refinance! Santander preys on individuals who are in desperate situations and gives people ridiculous XXXX rates because that's all we can choose. I demand that this company either refunds ALL my money, or removes this loan off my account completely! 
This company had a settlement back in XXXX for preying on people in desperate situations and charging ridiculous interest rates, and they had to refund these customers back. 
I am expecting THE SAME! This loan needs to be taken off of my record ASAP! It is ridiculous in this economy that we are expected to pay rent, have money for food, utilities, AND worry about our cars being nearly the price of rent! I do not want any excuses from this company. Either refund the money or take this off of my record completely!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent money to my sibling via cash app because shes needed the funds but once I sent it to het she told me that she was unable to access her account nor the funds. So I reached out to cash app customer support about getting my money back and they told me that they wouldnt help me and that I should reach out to the receiver despite me telling them that she did not have access to the account. They later told me there was nothing that I could do until she gained access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please read all the documents i have uploaded. There are accounts that have been opened on my profile and i need them removed immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off entry on my credit report regarding my Apple Card/GS Bank USA account XXXX Account XXXX XXXX XXXX ). 

Upon reviewing my credit file, I have identified several reporting errors that violate the Fair Credit Reporting Act ( FCRA ) : XXXX. Incorrect Balance Reporting : The account was charged off in XX/XX/XXXX, yet a balance of {$6800.00} is still being reported. If the debt has been sold or settled, the original creditor must report a {$0.00} balance. 
XXXX. Repeated Charge-Off Entries : The payment history incorrectly shows CO for multiple months after the charge-off date. A charge-off is a one-time event, and the continuous updates negatively impact my credit score unfairly. 
XXXX. Inaccurate Status Updates : The account was last updated in XX/XX/XXXX, long after the charge-off event. Charge-offs should not be continuously updated, as this artificially extends the damage to my credit history. 

Due to these inaccuracies, I request that this erroneous account be removed from my credit report immediately. Please investigate this matter and provide me with an updated report reflecting the corrections.

Under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate and respond within 30 days of receiving this letter. If you can not verify the accuracy of the information with the original creditor, the item must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: NM

Complaint narrative:
I have recently had an account added to my XXXX credit file only and I have requested several times to the company by telephone as well as to XXXX for verification or ownership, validation of debt and moneys owed, I have requested proof that this is owed and not received anything. 

I also never received notice that this would be added to my credit file or if I could dispute. This needs to be removed from my credit file immediately as they are not cooperating.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$6300.00} XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$9700.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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