vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off Inquiry : XXXX XXXX  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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
On XX/XX/year> the Department of Government Efficiency ( DOGE ) illegally gained access to my personal student loan information violating the terms of my Master Promissory Note and the Family Education Right to Privacy Act ( FERPA ) with neither my consent nor notice.

Further, there have been reports of DOGE employees further sharing the information of student loan borrowers with out the proper level of encription.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
My bank XXXX had a huge cyber attack and I am now noticing these lines of credit on my report that arent my inquiry. There was a {$400.00} line of credit with XXXX opened, there was also something about a XXXXXXXX XXXX  and capital one. I havent had an account with capital one since 2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a request via certified mail ( Tracking Number : XXXX ) to investigate unauthorized credit inquiries on my consumer report. However, I have not received a formal response or a certified investigation from XXXX. 

The following fraudulent and unauthorized inquiries are still being reported on my consumer file and are negatively impacting my ability to obtain a mortgage loan : XXXX XXXX  XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604, all users must have a permissible purpose to obtain a consumer report. Section 604 ( f ) specifically prohibits any entity from obtaining a consumer report from a credit reporting agency unless they have certified the permissible purpose for which the report is being obtained and confirmed that it will not be used for any other purpose. 

I formally request that you provide me with documentation certifying the permissible purpose for these inquiries. If no such documentation exists, I demand the immediate deletion of these inquiries from my credit file. 

Please update my consumer report accordingly and send me a copy of the revised report reflecting these corrections.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: MO

Complaint narrative:
My apartment and company employees filed false police report and two restraining order. Claiming I was a threat and caused harm to them in so shape or form. With the intention to file an immediate eviction which they did. The apartment also reported my credit with out a court order to bureaus. 

Judge ruled that the police reports were false and claims not to be true. As well as denied immediate evidence. 

All claims and reports still exist on my background making it difficult to find housing. Ive been denied 3 times Also in XXXX XXXXXXXX Missouri theres a new law passed that prevents tenants from being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I disputes are. 

1.Date last reported 2.Date Open 3.Date of last payment 4.Payment histories 5.CommentsDate of last activities 6.Date open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello CFPB, I have deposited {$7400.00} to the Capital One ATM at XXXX XXXX XXXX, XXXX, Texas. 
As soon I insert the bills it showed its counting and after a moments it held the money and showed out of service. 
I dont see the amount in my account. 
I need this money asap please help me to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
I currently have 5 inquiries I need removed from credit, as I don't current recognize any of these accounts or have anything open with them. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  XXXX XXXX - XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit repo 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I started getting letters from United Wholesale Mortgage starting that I didn't have insurance and that I needed to buy insurance or they would start charging me for insurance of their selection. I called and asked them why they sent me letters when I do in fact have insurance. They said through some mistake by the insurance company, I did not have the latest proof of insurance. I called my insurance company, got the information and uploaded it and a few days later I got another letter saying they would start charging me for insurance. I figured they had a delay in their own systems meaning the letter had probably gone out by mistake, since I had checked the website to make sure that their website showed that my insurance coverage was up to snuff. Coverage is active through XX/XX/XXXX it said. Good ( I thought ). Then today I go in to download my 1098, and I see that they just added insurance premium to my mortgage payment this month! This company doesn't have systems or processes that work, and they blame others ( insurance company, insurance coverage verifiers, mortgage payer ) for their failing systems and processes. I have spent hours on the phone with them, my insurance company trying to get this resolved, and still ... they are charging me for their insurance even though their own systems show that I have coverage through XXXX. It's Sunday and I can't reach a live person to have this resolved. I will call tomorrow of course, but I feel like no one is listening. I have never missed a payment, and they treat me like this. They added over {$390.00} to my monthly mortgage payment! The fight continues I guess... I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA $ XXXX ( 15 U.S.C . 1681c-2 ) that you, the TransUnion 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 I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX account opened XX/XX/XXXX account number XXXX, XXXX XXXX with a {$0.00} balance account number XXXX opened XX/XX/XXXX, XXXX XXXX with a {$0.00} opened XX/XX/XXXX account number XXXX, XXXX XXXX balance {$1500.00} date opened XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I request, pursuant to FCRA $ XXXX ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
Accounts are closed, but there still shows a negative balance.

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 2025-03-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-03-16 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: Nelnet, Inc.
State: NV

Complaint narrative:
As per outlined in attached dispute letter, the following companies are in violation of XXXX XXXX COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and DOGE were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION NELNET AND XXXX be immediately removed FROM my credit reports with, but not limited to, XXXX, XXXX, AND XXXX to avoid continued breach of privacy and violations of law. 

There are 4 accounts currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a promotional balance the would incur interest if not paid off within the allotted timeframe. I made my payments but for some reason the company split the payment and applied it to another balance without my approval. This then caused interest to be charged although I had made the full payment amount for that promotional balance prior to the due date. I have contacted them for 5 months to get it corrected and they refuse to remove all interest charges that are still accumulating even as I keep my account current.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I believe that there has been an error in my credit profile, as my credit information has been merged with my brother 's. Recently, my brother contacted me and informed me of some unusual activity on his credit report. According to his report, there are accounts listed that do not belong to him. He has filed a dispute to have these accounts removed from his credit report. However, since we have the same name and birth date, our information has been inadvertently combined. his report was fixed but i still don't have a report yet.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a dispute regarding inaccurate information that has been reported on my credit report by 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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the way the department of education. Including financial aid data set that contains the personal information of millions of students enrolled in the federal student a program. My information was amongst that data set that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX I would like to file a complaint against XXXXXXXX XXXX who has gotten access to my personal data and social security number with no authorization. He has attained unauthorized disclosure to my student loan data by himself, his company and his coworkers at DOGE. My personal information is protected by FERPA and he has violated my rights by accessing my information without my permission.I have never authorized this action by XXXX XXXX to access my personal data and am extremely concerned about the potential misuse of my private data. Again I reiterate, is a direct violation of my rights under FERPA and I would like for XXXX XXXX to be held accountable for this breach!!

Company response to consumer: Untimely response