vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  wrongfully withdrew {$1800.00} from my account and gave it to another customer in cash. They did not notice this until I called as I filed a fraudulent charge claim. The money has been out of my account for over XXXX  hours and still has not been returned. Further, it was irresponsible and illegal to take funds from my account without my permission.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A collection from XXXX XXXX XXXX was reported by XXXX XXXX to my credit report in XX/XX/year>. After I disputed it, the account was removed between XX/XX/year>. However, on XX/XX/year>, the same debt was reinserted under a different agency name ( XXXXXXXX XXXX XXXX ) without notice. 

This violates FCRA 611 ( a ) ( 5 ) ( B ) because no notice of reinsertion was provided. This may also be considered re-aging of debt and deceptive re-reporting under a different name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A collection from XXXX XXXX XXXX was reported by XXXX XXXX to my credit report in XX/XX/year>. After I disputed it, the account was removed between XX/XX/year>. However, on XX/XX/year>, the same debt was reinserted under a different agency name ( XXXXXXXX XXXX XXXX ) without notice. 

This violates FCRA 611 ( a ) ( 5 ) ( B ) because no notice of reinsertion was provided. This may also be considered re-aging of debt and deceptive re-reporting under a different name.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
While I was in Florida my debit card was stolen. I was notified that a legal transactions were trying to be made with my debit card number. I said that they were unauthorized and therefore those transactions were canceled. However other transactions were allowed to proceed and I've been arguing for their cancellation for several months. I have filed multiple complaints with the bank including proof that I was inside of an XXXX XXXX XXXX XXXX XXXX However, the bank refuses to modify the account and is continuing to charge me for these in-person transactions that occurred in another state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: PA

Complaint narrative:
Cease and Desist Account Number : [ account XXXX ] To Whom It May Concern, This letter is a formal notice to cease and desist all communication with me, including but not limited to phone calls, letters, emails, or any other form of contact, regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), you are hereby notified to stop all communication with me, my family, or my place of employment.

Additionally, I request that your agency immediately delete this account from your records and any credit reporting agencies with which it has been shared. If you are unable to validate the debt or prove your right to collect on it, you are required to remove it from all consumer credit reports under the Fair Credit Reporting Act ( FCRA ).

Please note that continued collection efforts or failure to comply with this notice will be documented and may result in legal action for violation of federal law. 
This letter is not an acknowledgment of any debt, nor a promise to pay. I expect written confirmation that all communication has ceased and that the account has been removed from your records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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 2025-05-06 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
XXXXI'm a victim of the Equifax data breach and upon checking my credit report I discovered these unauthorized accounts! I also have proof of the breach and my identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
XXXXI'm a victim of the Equifax data breach and upon checking my credit report I discovered these unauthorized accounts! I also have proof of the breach and my identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-06 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: ID

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-06 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: ID

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: ME

Complaint narrative:
I am a visually impaired consumer who was denied fair treatment and accessibility throughout a payment dispute involving XXXX ( a music freelancer platform ), XXXX ( as the processor ), and XXXX XXXX XXXX  ( as the card issuer ). I paid {$570.00} for a custom composition project through XXXX using my XXXX XXXX credit card. The provider delivered a poor product, ignored direction, and falsely accused me of intellectual property theft. I immediately filed a refund request through XXXX platform and opened a XXXX dispute before the project was marked complete. 

I messaged the seller on XX/XX/XXXX, as required, and believed XXXX would escalate the case after the XX/XX/XXXX deadline. However, the case was closed without warning, and the funds were released to XXXX on or around XXXX XXXXbefore the dispute deadline and without my approval. I was not given any opportunity to escalate. The XXXX interface was unclear and inaccessible, offering no step-by-step guidance or confirmation. As someone who is XXXX, I relied on screen readers and assumed that once the seller failed to respond, the system would escalate automatically. It did not. 

I contacted XXXX XXXX to request clarification. They later mailed me a decision letternot in an accessible format, and when I called to ask what it said, they refused to read or explain it. I was therefore denied access to the outcome of my own financial dispute. My card provider rejected the chargeback, relying solely on XXXX flawed process and ignoring the evidence I submitted, including screenshots, communication threads, and XXXX contradictory policies. 

I am now out {$570.00} and was never given a meaningful opportunity to respond, understand my rights, or access a resolution system designed for my needs. I am requesting that XXXX XXXX reopen the chargeback and that XXXX be investigated for releasing funds during an open dispute window, in violation of buyer protection expectations. I am also requesting that XXXX platform practices be reviewed for misrepresentation and failure to uphold their own refund process.

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-05-06 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: NC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding two XXXX  accounts that are still listed on my Experian credit report, despite both being sold to third-party debt collectors : XXXX and XXXX XXXX. XXXX  no longer owns these debts, yet Experian continues to report them as active and verified under XXXX. 

Disputes have been submitted three separate times, and Experian continues to mark these accounts as verified with no meaningful proof or documentation : XX/XX/year> XX/XX/year> XX/XX/year> Accounts : XXXX {$120.00} XXXX - {$520.00} I have attached supporting documentation showing that these debts were sold. I have no knowledge of these third-party companies and never entered into any agreement with them. The continued reporting by XXXX through Experian is inaccurate, and repeated disputes to Experian have not resulted in a proper reinvestigation or correction. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

15 U.S.C. 1681i ( a ) requires Experian to conduct a reasonable reinvestigation after receiving notice of a dispute and to delete or correct any information that can not be verified. 

Experian has failed in both obligations by allowing XXXX to continue furnishing information it no longer owns, and by verifying disputes without proof. This is materially harming my credit profile.

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