vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nj XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence Dear Credit bureau I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : XXXX. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of negligence. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
XXXX. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within XXXX days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: IN

Complaint narrative:
Due to the data breach and Under the Fair Credit Reporting Act, I am requesting that you investigate these discrepancies thoroughly. I believe that upon review, you will find that this information should not be part of my credit report. 

I kindly ask for a prompt investigation into this matter and a fair solution that includes the removal of all items from my credit report. Please confirm receipt of this letter and keep me updated on the status of my request. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

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 2025-02-09 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: CORELOGIC INC
State: PA

Complaint narrative:
I believe incorrect credit reporting and things that should be removed

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 2025-02-09 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: IL

Complaint narrative:
i am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts i want removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employers information and full or partial SSNs in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employer data and SSNs, must be safeguarded and not shared without proper consent.

Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employer and SSN information fall under protected data categories that require stringent compliance standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selene Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELENE FINANCE LP, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, SELENE FINANCE, falsely claiming to represent XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX, a defunct and closed [ trust ] since 2016, engaged in a scheme by making false representations in writing and filed false pleadings in courts falsely claiming that they represented a defunct and closed trust since 2016. Specifically, they filed a fraudulent Assignment of Deed of Trust, false Notice of Default, and false Notice of Trustees Sale with the predetermined intent to steal my home. Selene Finance and XXXX XXXX XXXX, XXXX XXXX filed a false declaration and Power of Attorney claiming they represent XXXX XXXX XXXX with the predetermined intent to steal my home. President Trump, please save the American Dream for all homeowners in the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On Sat XX/XX/25 I called XXXX XXXX XXXX at XXXX. I had a question on a charge that was made to the card. The card was under my husband 's name but I was listed as an authorized user. The XXXX XXXX XXXX person ( Citibank ) would not speak to me about the card activity. I had my husband give full verbal disclosure and they still would not speak to me. When I tried to talk, the agent cut me off and said they could not speak to me. I tried again today - same thing. Unacceptable. I'm not sure who can help me but I refuse to pay the balance on the card until someone speaks to me about it. Terrible customer service.

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 monetary relief
Consumer complaint received 2025-02-09 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: EdFinancial Services
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding the unauthorized disclosure of my personal and financial information as a student loan borrower. Recent reports indicate that the U.S. Department of Education improperly shared the personal data of approximately XXXX XXXX borrowers with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. This action constitutes a serious violation of the Family Educational Rights and Privacy Act ( FERPA ), which guarantees the confidentiality of student records.

As a borrower whose personal and financial information has been compromised without my consent, I am deeply concerned about the potential consequences of this breach, including identity theft, financial fraud, and unauthorized access to my federal student loan data. This breach represents a clear failure to protect my sensitive information, violating both federal privacy laws and the Department of Educations responsibility to safeguard borrower data.

Given the severity of this breach and the risks it poses to my financial security, I formally request the following actions be taken immediately : 1. Full Discharge of My Student Loan Debt Due to the Department of Educations negligence in protecting my data, I request that my federal student loans be canceled in full, as my information has been mishandled in direct violation of FER
PA.

2. Confirmation of Data Misuse I request full disclosure of whether my personal information was included in this breach and to what extent it has been accessed or used improperly.

3. Corrective Measures I seek information on what steps are being taken to prevent further unauthorized access and how the Department of Education plans to rectify this violation.

I expect a prompt and thorough response to this complaint. If necessary, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to protect my rights as a borrower. 

Please acknowledge receipt of this complaint and provide me with a written response outlining the steps that will be taken to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year>2023 XX/XX/XXXX XX/XX/XXXX/2023 XX/XX/XXXXXXXX XXXX/XXXX/2023XX/XX/XXXXXX/XX/XXXX XXXX/XXXX/2023 XXXXXX/XX/XXXXXXXX XXXX/XXXX/2023

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 2025-02-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/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
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I have been trying for a month to get my PSLF status recertified and have my payments recalculated. First they kept prompting me to use the digital signature option, but their system wasn't sending the email to my HR. Every time I updated the website, it would update the next day showing their email was updated to " " ( blank ). Reached out to customer service and they sent me a template email back referring me to their website and referencing common things people are emailing about ( did not address my question at all ). I tried to submit another ticket, and got the same useless response. Tried calling and was stuck in the phone tree for 40 minutes before I gave up. Eventually cancelled the submission altogether and resubmitted using the old method where you upload a PDF. Did that, and 2 weeks later, got an email that my application was closed due to missing information. The letter stated that my employers signature was missing, and I would have to start over and provide the completed application. I downloaded the form from the student aid portal, and it is filled out completely, including the employer signature. I'm so tired of this. Every year I have to submit this paperwork just to know how many payments I owe them, since they apparently can't keep track of it, or are not expected to manage it themselves. I'm tired of getting the runaround. If I owe them money, they should be responsible for keeping an accurate track of what is owed without me having to beg for it.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Breach of Privacy : My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records, this breach is a violation of FERPA and its their responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial but also putting me at risk for identity theft by XXXX XXXX and affiliates by accessing my personal and financial information without my authorization. I request that my student loan debt be forgiven and discharged immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
Breach of Privacy : My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records, this breach is a violation of FERPA and its their responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial but also putting me at risk for identity theft by XXXX XXXX and affiliates by accessing my personal and financial information without my authorization. I request that my student loan debt be forgiven and discharged immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
Breach of Privacy : My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records, this breach is a violation of FERPA and its their responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial but also putting me at risk for identity theft by XXXX XXXX and affiliates by accessing my personal and financial information without my authorization. I request that my student loan debt be forgiven and discharged immediately

Company response to consumer: Closed with explanation