vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Summary of the Issue In XX/XX/year>, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and Aidvantage reported this delinquency to the credit bureaus, causing severe damage to my credit score. 

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by Aidvantage Aidvantages actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late. 
3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, Aidvantages reporting of my loan as delinquent was inaccurate and unjustified. 
XXXX. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

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 - XXXXXXXX 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  **** 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 report 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 This Debt XXXX XXXXXXXX **** 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 report 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited {$100000.00} dollars into 4 % APR CD for 3 months expecting simple 4 % return. At the end of that term they only provided {$920.00} in interest. I thought simple calculated interest by XXXX times XXXX is XXXX for only 1/4 is {$1000.00}. 

Even with actually calculation of 4 % APR ( 3.92interest rate ) divided by 365days of with term of 3months ( 90days ) which is little less than 1/4 of 365, the calculated interest would be no lower than {$980.00} I have repeatedly contacted the branch, account manager, branch manager and even corporate contact # thru 2 different helplines and they all have not provided an answer. I have 2 complaint # 's : XXXX ( branch complaint ) and also # XXXX ( corporate line complaint ). None of returned my calls or visits. 
The account manager even stated that is was not her job to calculate interest rate and interest. The system does that automatically. This could be an endemic system error that is siphoning money from all CD deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
Equifax reported a major data breach in 2017, which impacted the personal data of XXXX XXXX US citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-03-12 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: TX

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 2025-03-12 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: PA

Complaint narrative:
My name is XXXX, and Im a XXXX-year-old who has always taken pride in maintaining a strong credit history, with a score consistently around XXXX and above. However, this morning, I was surprised to discover that my score has dropped below XXXX. Concerned, I asked my grandchild to help me investigate, and we uncovered something troubling : there have been over 20 soft pulls on my credit report, many of which I dont recognize. Most of these inquiries are linked to XXXX XXXX XXXX and XXXX XXXX, and I have no recollection of authorizing them. 

This situation has left me feeling uneasy and unsure of how to proceed. Ive worked hard to maintain my financial health, and these unauthorized inquiries are causing unnecessary stress. Could you kindly guide me on how to resolve this issue? Your expertise and assistance would mean the world to me. 

Thank you so much for your time and support. I truly appreciate any help you can provide. 

Warm regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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:
I am writing to formally submit a complaint regarding the unauthorized breach of my student loan information under DOGE management. I was recently made aware that my personal data, including social security number, loan balance, financial institution information, address and phone number as well as account details was exposed due to a security incident.

As a borrower, I entrusted DOE and SSA with safeguarding my sensitive financial and personal information. The breach of this data not only puts me at risk for identity theft and financial fraud but also raises concerns about the security protocols in place to protect borrowers like myself.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-12 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been using Capital One Shopping ( formerly XXXX ) since XX/XX/year>. My account is XXXX. 
Over this time, I have accumulated {$3500.00} in available rewards in my account. However, every time I attempt to redeem these rewards for gift cards through their website or app, nothing actually processes. After I click Redeem, there is no confirmation, my rewards balance remains unchanged, and I receive no gift card codes or emails. 

I have effectively been unable to redeem my rewards at all. This makes the rewards seem fake or unredeemable. I am requesting that Capital One Shopping provide me with the full {$3500.00} in rewardseither as a check or valid gift cardsas soon as possible. I am filing this complaint because I have not received a satisfactory resolution, and I want assistance in getting the rewards that I have rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent hard inquiries on my credit report. I have identified multiple inquiries that were made without my authorization and for which I never gave consent. This unauthorized activity is a direct violation of my rights, and I will not tolerate it.

The fraudulent hard inquiries in question are as follows : CERTIFIED BE Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> I have never applied for credit with these companies, nor have I authorized any third party to do so on my behalf. These unauthorized inquiries are a clear indication that I am a victim of identity theft or fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report free from any false, misleading, or unauthorized information. I demand that the following actions be taken IMMEDIATELY : Remove all fraudulent hard inquiries from my credit report without delay. 
Notify me in writing once this action has been completed. 

You are legally required to conduct a thorough investigation of these inquiries and resolve this dispute within 30 days. If this issue is not fully resolved within this timeframe, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ).

Report this matter to the Federal Trade Commission ( FTC ) as identity theft.

File a complaint with the State Attorney Generals office.

Seek legal action to hold responsible parties accountable and pursue damages for any harm caused to my credit.

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 2025-03-12 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:
Incorrect Inquiries: 

XXXX XXXX XXXX XXXX XXXX XXXX

ADDRESS: 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  
EMPLOYERS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Incorrect Inquiries: 

XXXX XXXX XXXX XXXX XXXX XXXX

ADDRESS: 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  
EMPLOYERS:

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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-12 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: WA

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Grant & Weber
State: TX

Complaint narrative:
Pre- Arbitration Demand Notice Amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Agent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I am writing to you as a consumer who has been wronged by the actions of XXXX and Grant & Weber Inc . I believe that XXXX and Grant & Weber IncXXXX Have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, which has caused significant harm and damages to me. 



I allege that XXXX and Grant & Weber Inc. have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 



I have also been made aware that the which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 



Based on the above I demand {$10000.00} in compensation for the harm and damages suffered as a result of XXXX and Grant & Weber Inc. wrongful conduct. I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 



Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX XXXX 



RESPECTFULLY SUBMITTED 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