vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX XXXX which has caused my credit score to drop by over XXXX points! This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX XXXX which has caused my XXXX XXXX to drop by over XXXX points! This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AR

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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently discovered new inquiries on my credit profile that I did not authorize nor consent to. I believe multiple attempts to fraudulently access credit were made in my name. These inquiries need to be deleted immediately. XXXX XXXX- Opened XX/XX/year>. XXXX XXXX XXXX XXXX  ) Opened XX/XX/year>. XXXX ( XXXX ) Opened XX/XX/year>. XXXX XXXX XX/XX/year>. XXXX XXXX XXXX  Opened XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: DE

Complaint narrative:
I recently discovered new inquiries on my credit profile that I did not authorize nor consent to. I believe multiple attempts to fraudulently access credit were made in my name. These inquiries need to be deleted immediately. XXXX XXXX- Opened XX/XX/year>. XXXX XXXX XXXX XXXX  ) Opened XX/XX/year>. XXXX ( XXXX ) Opened XX/XX/year>. XXXX XXXX XX/XX/year>. XXXX XXXX XXXX  Opened XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NY

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Above Lending, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS CHARGED OFF {$10000.00} ]. This is a formal notice that your claim is disputed. 

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please provide the record that reflects the process by which my signature was generated/executed. 

Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
will have to try to locate any emails that was sent and any mailed statements were lost when my vehicle was impounded in XX/XX/XXXX and I was unable to retrieve my vehicle and items out of it. Bank employees disputed and reversed transactions fraudulently causing my account to overdraft and crediting amounts in error and reversing funds on my accounts without my knowledge and authorization causing my account to overdraft. And when j confronted an employee on phone call, multiple phone calls, they lied, hung up, and did not provide proof in mail or email for me. A {$2200.00} stimulus check I used to open my account was disputed and took from my account and employee stated I made the dispute when I never did. The IRS never received the funds back either. So I three way customer service with IRS on phone and when the employee knew it's was on phone after stating check was sent back to IRS and the IRS employee said no it was not and started asking questions, the employee hung up on us.

I do not remember if my address on file was XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX or if it was a XXXX XXXX XXXX XXXX, Nevada XXXX or a XXXX XXXX XXXX Nevada XXXX. My social security number is XXXX and my d-o-b is 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 2025-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding XXXX  Data Breach and Violation of FERPA To Whom It May Concern : I am writing to formally file a complaint regarding a data breach by which I believe constitutes a serious violation of federal law, including the Family Educational Rights and Privacy Act ( FERPA ). 

It has come to my attention that XXXX  experienced a data breach compromising sensitive personal information. Based on the nature of the data exposed, it appears that educational records or personally identifiable student information may have been accessed or disclosed without proper authorization. If true, this would represent a clear violation of FERPA, which is intended to protect the privacy of student education records.

As an affected individual [ or on behalf of affected individuals ], I am deeply concerned about the implications of this breach, including the risk of identity theft, financial fraud, and the long-term misuse of personal data. XXXX  apparent failure to properly safeguard such information and to promptly notify affected individuals further exacerbates the situation. 

I respectfully urge the Consumer Financial Protection Bureau to investigate this matter and to coordinate with the U.S. Department of Education, which enforces FERPA, to ensure that XXXX is held accountable for any negligence or noncompliance. 

Please confirm receipt of this complaint and advise me of any next steps or additional documentation you may need. I am prepared to provide any further information required to support this investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
I have disputed a XXXX account multiple times with Experian. Each time, the account was removed from my credit report. However, Experian allowed the same account to be reinserted again without notifying me or verifying the accuracy as required under the Fair Credit Reporting Act ( XXXX  ) Section XXXX ( a ) ( XXXX ) ( B ). 



The account was later sold to a third-party collection agency, and it continues to appear on my credit report. This repeated reinsertion has caused my credit score to drop significantly, affecting my ability to obtain loans, housing, and other financial opportunities. 



I have tried to resolve this issue directly with Experian, but they continue to allow this unverifiable and previously deleted debt to negatively impact my report. I am now requesting a permanent removal of this account and compensation for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for serious violations of the Fair Credit Reporting Act ( FCRA ) in relation to XXXX accounts XXXX from XXXX XXXX and XXXX from XXXX. 

These accounts were previously deleted from my credit reports after being disputed. However, all three bureaus have reinserted these accounts without providing the required written notice within five business days, as mandated under FCRA 1681i ( a ) ( 5 ) ( B ). There was no written certification from the furnishers ( XXXX XXXX and XXXX ), and I was never informed of the reinsertion. 

Additionally, when I disputed these accounts in the past, each bureau returned them as verified without providing : The method of verification The name and contact information of the entity that supposedly verified the account Any documentation supporting the validity of the data This violates FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires this information be provided to the consumer when requested or when a dispute is completed. 

Moreover, after my dispute, all three bureaus updated or modified the disputed information, which is illegal if the account has not been fully verified and if no reinvestigation has occurred with proper procedures. 

Because of these repeated failures, I have suffered real harm, including : Denials of credit card and loan applications Increased interest rates Damage to my creditworthiness and financial reputation Emotional distress from ongoing reporting of incorrect and harmful data Despite my final written notices demanding deletion and warning of legal action, the bureaus have continued to mishandle the accounts and violate my consumer rights under federal law. 
I am extremely frustrated and disappointed with how Equifax, Experian, and TransUnion have handled my credit information. I disputed XXXX accounts ( XXXX XXXX and XXXX ) that were previously removed from my credit reports, only to have them reappear later without any explanation or notice. I was not given proof of verification, no supporting documents, and no clear process was followed as required by law. This negligence has caused me to be denied credit, pay higher interest rates, and suffer financially and emotionally. 

I have tried to resolve this directly with all three credit bureaus through proper disputes and written requests, but they continue to violate my rights under the Fair Credit Reporting Act. I am now left with no choice but to escalate this to legal action and prepare for lawsuit if this situation is not resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for serious violations of the Fair Credit Reporting Act ( FCRA ) in relation to XXXX accounts XXXX from XXXX XXXX and XXXX from XXXX. 

These accounts were previously deleted from my credit reports after being disputed. However, all three bureaus have reinserted these accounts without providing the required written notice within five business days, as mandated under FCRA 1681i ( a ) ( 5 ) ( B ). There was no written certification from the furnishers ( XXXX XXXX and XXXX ), and I was never informed of the reinsertion. 

Additionally, when I disputed these accounts in the past, each bureau returned them as verified without providing : The method of verification The name and contact information of the entity that supposedly verified the account Any documentation supporting the validity of the data This violates FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires this information be provided to the consumer when requested or when a dispute is completed. 

Moreover, after my dispute, all three bureaus updated or modified the disputed information, which is illegal if the account has not been fully verified and if no reinvestigation has occurred with proper procedures. 

Because of these repeated failures, I have suffered real harm, including : Denials of credit card and loan applications Increased interest rates Damage to my creditworthiness and financial reputation Emotional distress from ongoing reporting of incorrect and harmful data Despite my final written notices demanding deletion and warning of legal action, the bureaus have continued to mishandle the accounts and violate my consumer rights under federal law. 
I am extremely frustrated and disappointed with how Equifax, Experian, and TransUnion have handled my credit information. I disputed XXXX accounts ( XXXX XXXX and XXXX ) that were previously removed from my credit reports, only to have them reappear later without any explanation or notice. I was not given proof of verification, no supporting documents, and no clear process was followed as required by law. This negligence has caused me to be denied credit, pay higher interest rates, and suffer financially and emotionally. 

I have tried to resolve this directly with all three credit bureaus through proper disputes and written requests, but they continue to violate my rights under the Fair Credit Reporting Act. I am now left with no choice but to escalate this to legal action and prepare for lawsuit if this situation is not resolved promptly and fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Washington XXXX DC Subject : Improper Repossession Conduct by Wells Fargo Auto XXXX # XXXX Dear CFPB, I am submitting a complaint against Wells Fargo Auto for potential violations of fair lending and debt collection practices. 

My auto loan became delinquent due to a short-term hardship. Before any repossession activity, I attempted to make a partial payment, which was rejected without written explanation. I was not given a notice of default, a right to cure, or any formal notice of intent to repossessyet a repossession agent arrived at my residence in XX/XX/year>. 

This conduct reflects a disregard for required consumer protections and appears to violate the standards outlined in both state and federal law. I have submitted a written resolution proposal to Wells Fargo, including voluntary surrender and reinstatement options, but they have not acted in good faith. 

Please investigate this issue and hold Wells Fargo accountable. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation