vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am a former XXXX  student loan borrower and I have learned that due to recent events and my loan information, I may be one of the borrowers who may endured inflation of my loan amount during my years with them. In addition, as of XX/XX/XXXX, the company has since transferred my information to Aidvantage. As far as my XXXX  student loans are concerned, I am not completely sure if they were at that point my loan servicer provider since the ongoing court. I do have evidentiary support of being a XXXX  recipient, I have a letter and I can logon to my student loan account to provide further details. I have included the My student loan data from the website to review the data From XXXX. I would like to add I am still looking for my other letters, needed however, please know, I do know they were loan service provider. I have one letter at the moment. Please review the txt file with information. 

I was not formally informed by XXXX  of this legal issue, unfortunately, I had to learn through other consumers of the matter. Instead of the company informing of the legal issues, they just decided to transfer me over to Aidvantage without any intent to explain legal terms they have breached. 

I started school back on XX/XX/XXXX at XXXX Georgia  XXXX College and graduated on XX/XX/XXXX, I also did my XXXX at XXXX Georgia XXXX University from XXXX XXXX XXXX, for duration of my XXXX experience XXXX  has been my loan servicer provider. Due to the recent events of deceptive practices made by XXXX, I have decided to act accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove this account listed on my credit report as these items are to identity theft and i believe it had something to do with my identity being stolen in the data breech where as you can see I have checked my credit every day for new accounts. please remove asap as this is causing a Finacial burden upon me. According to section 605b these accounts are subject to be removed in 4days with proper documentation I have added in all reports im asking you remove XXXX XXXX. Please remove all inquiries that were made fraudulent the 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 2025-09-30 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: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
Total amount {$290.00} date XX/XX/year> at XXXX was taken by XXXX XXXX The company did not send Im merchandise to the correct address, was unaware. After contacting them I went to the address it was sent to and my package was not there. I knocked on neighbors doors and everyone stated they did not see a package. I called the police and filed a report because my merchandise was stolen. I sent them the report they stated theyre unable to resend my package ask for refund which was declined I was advised to call my bank which is CURRENT. I sent them the police report dispute was open it was closed 4 days later because they stated they didnt have enough evidence so I asked for a appeal and resent the police report only with my move out statement for my last landlord showing I moved out on XX/XX/XXXX and the form from XXXX confirming my request to my packages and mail to be forward to my new address. The closed the appeal the same day stating once again it wasnt enough proof, requested to speak with a supervisor they stated theyll schedule a call back 3 days ago I called them today to see why no one contacted me and I was advised the the call backs arent guaranteed. I asked for the exact reason why my dispute and appealed was denied and they stated they cant give me that information. Just the fact that it was enough evidence and they can not open up another appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
The XXXX credit bureaus XXXX, XXXX  and XXXX  are reporting a remaining balance of {$7800.00} for GMFINANCIAL. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting my contract for the lease agreed for this vehicle, and a breakdown of the items/damage that was reported. I had this vehicle reposed and they put a remaining balance on my account. There were also items in my vehicle at the time that totaled over the amount they are requesting which I was never able to recover. I therefore request that you immediately delete this specified item. I have written multiple letters, and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer RESURGENT RECEIVABLES LLC Re : Cease and Desist & Permissible Purpose Demand Account # XXXX Reported Date : XX/XX/XXXX Amount : {$1000.00} Re : Cease and Desist & Permissible Purpose reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law. 
Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law. 
You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am the executor of an estate and have made several attempts to get the title of a vehicle where the lien was satisfied years ago. The car can not be operated or sold because after several attempts to get the title, I was told by our state DMV, there is nothing that can be done until Ally Financial removes the electronic lien on the vehicle. I have asked the supervisors at their customer service several times ( In XX/XX/XXXX, once in XXXX, in XXXX and XXXX of XXXX ). They continue to send a notarized letter stating that the payoff has been satisfied and that I may take the letter to our DMV to gain a clear title. Our DMV is immovable without them removing the ELT. I have called back to explain and even gave them the information on how to go into the system. This was a nice automobile that has just been sitting and deteriorating because of this issue. It can not be transferred without the electronic lien being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.
State: MN

Complaint narrative:
On XX/XX/year> was the initial contact with Wilber group regarding an alleged debt. They were misleading or the conversation felt misguided as they said they were a law firm and they said they were a collection agency. They were quick to want me to pay for something that I had no knowledge of knowing about as this was the first I was hearing about a balance. They threatened to suspend my license for nonpayment. 

Since that initial conversation, working with Wilber group has been erroneous and egregious to say the least. They had also made threats that they were going to suspend my minor childs permit, considering this stems from an incident that I was not personally involved with and was not present at the scene of the crash. They also claimed that they were pursuing my minor child in this matter and they work with lots of minors in resolving subrogation debt, though my minor isnt listed considering they dont have any assets. 

On XX/XX/year> when Wilber group called after a cease and desist letter was sent certified mail and I had been attempting to negotiate with XXXX of their representatives, they were unwilling to put anything in writing before I made payment for settlement. Their tactics were horrendous considering I ask that I take time out of making a decision immediately considering I found out that I lost a family member earlier that morning and they called me back that same day and were trying to push me anyway without the written request I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief