vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I received the PSLF forgiveness notification letter on XXXX stating Your loan servicer will send you a communication about PSLF/TEPSLF forgiveness within 30 business days. You don't need to take any action as you await this update from your loan servicer. To monitor the status of your loan forgiveness, you can log into your account with your servicer. Congratulations on reaching 120 qualifying payments for Public Service Loan Forgiveness. In fact I was told by a Department of Education representative in the Fall of XXXX that XXXX has all of the information and no actions are required from me, I will be receiving a refund of the 27 extra payments I made, and a nice congratulations. 

I never received communications from XXXX and I was under the understanding that XXXX of the XXXX qualifying payments have been satisfied and no other action is needed to be taken. After filing my taxes I received a free credit report stating my score took a XXXX hit all due to XXXX turning me in for delinquency of payments. I received no correspondence about any actions needing to be taken except for an email from XX/XX/XXXX with the next steps needing to be taken. 

After speaking to a XXXX representative ( after being on hold for a long time and then waiting for 3 hours for a callback ) I was told it was my fault that I did not update my banking information in the system, then the same banking information I have used since XXXX and is also still correct in the XXXX system which DID NOT NEED TO BE UPDATED. 

Because of this administrative error, XXXX turned in my delinquency to XXXX XXXX for repayment ( which I never received notification of until I saw my credit report ). 

I would like a review of this situation and for my credit score to be restored to its original. I have included documents showing the letter of my congratulations for student loan forgiveness, my XXXX payment information confirming the banking information is still valid and has never been changed since XXXX, proof that I received no correspondence from XXXX after the XXXX email notification of transition, and my PSLF payment counts. 

If I was actually made aware of this situation I would have happily handled it back in XXXX of XXXX, but it is now XX/XX/XXXX, and am literally just now learning of it. 

Please let me know if there is anything else you need to review this case. I have heard of several others who are experiencing the same through XXXX, there is a large communication barrier between the federal level, state level, and the burrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

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 2025-04-14 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding the finance companys unwillingness to work with me in what I believe to be a fraudulent and deceptive vehicle sale and loan transaction involving a XXXX XXXX XXXX. 

I purchased the vehicle on XX/XX/XXXXXXXX XXXX XXXX and within 30 days, it began experiencing major issuesengine failure, transmission issues, and a failed XXXX XXXX having fewer than XXXX miles. I attempted to have the vehicle serviced on XX/XX/XXXX, but was told my warranty wouldnt activate until XX/XX/XXXX, leaving me exposed to expensive repairs on a newly financed vehicle. 

By XX/XX/XXXX, the vehicle was no longer drivable and was left at the dealership for repairs. It remained there, unrepaired, and I made numerous attempts to inform the finance company of the vehicles location, condition, and the circumstances surrounding the warranty and mechanical failures. Despite clearly expressing that I was extremely dissatisfied with the vehicle within the first 30 days, and explaining that the sale appeared deceptive or misleading, the finance company refused to cooperate in finding a resolution or canceling the loan. 

Without my knowledge, the finance company repossessed the vehicle from the dealerships property in XX/XX/XXXX, without notifying me or the dealership. This action may constitute a breach of peace under Florida law, as the vehicle was not in my possession, and I was actively trying to resolve the situation in good faith. 

I am requesting a full cancellation of the auto loan, removal of any negative credit reporting or deficiency balance, and a formal review of this transaction, as I believe I was misled into financing a defective vehicle under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 non-monetary relief
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PR

Complaint narrative:
All of a sudden Truist is trying to force me into an unwanted overdraft program in my checking account by corrupt marketing, unauthorized overdraft fees and blocking customer services 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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
We have unfortunately fallen victim to a solar panel scam. We signed up for solar panels with XXXX XXXX with the expectation that our electric bill would be extremely low or even eliminated. However, that has not been the case. Now, we are stuck with solar panel payments and the same electric bill, which we can not afford. 

Goodleap is attempting to collect the money we owe on the solar panel loan, but we are unable to afford this loan. 
I have explained this to Goodleap numerous times when they call me multiple times a day. 

I can document at least XXXX phone calls daily from Goodleap, if not more. When I asked them why they contact me so often, they explained that they are trying to collect a debt. I understand that, but it seems excessive to receive more than one call per day, every day. I tried to speak with a supervisor about my concerns, but she simply told me to make a payment to stop the calls and stated that it is their automated system. I let her know that I believe this is illegal, but she insisted that they are not doing anything unlawful. When I mentioned that I would file a complaint, she simply replied, " Okay. '' I spoke with XXXX and XXXX from Goodleap about my issue, and they had no concerns, which is why I ended up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute my student loan debt and request full cancellation of my outstanding balance. This request is based on the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records, including personal and financial information.

My data was compromised and improperly disclosed, constituting a serious breach of FERPA. This violation not only undermines the legitimacy of the loan servicing process in my case but also contributes to the broader pattern of misconduct already established against XXXX. 

I am aware of the lawsuit filed against XXXX  by various state attorneys general and the Consumer Financial Protection Bureau, which accused the company of deceptive practices, including steering borrowers into costly forbearance, misrepresenting payment options, and failing to provide clear and accurate information. These findings further support my position that the management of my loans has been unlawful and unethical. 

Recently, I noticed a significant decrease in my credit scoreover XXXX pointsand upon reviewing my credit report, I discovered that my student loan account was reported in a misleading and inaccurate manner. 

I have been enrolled in an Income-Driven Repayment ( IDR ) plan for several years, which should not negatively impact my credit score. However, the account has been reported as if it was in default, which is false and does not reflect my current repayment status. As per the guidelines of the IDR plan, the loan should not be reported as negative on my credit report, but it has been, causing significant harm to my credit standing. 

It appears that this misreporting is due to XXXX inaccurate reporting practices, and I believe this issue is tied to the ongoing legal matters involving XXXX, which were recently publicized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Accounts : XXXX XXXX ( 3 student loans accounts )

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I must emphasize that this complaint is legitimate and demands immediate action. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are not only misleading but are actively causing ongoing harm to my financial stability and personal well-being. The emotional and practical toll this has taken is substantial. I am calling for these inaccuracies to be thoroughly investigated and either corrected or permanently removed without further delay. This matter must be treated with the seriousness and urgency it warrants.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In addition to my autopayments ( which have been active since XXXX, equaling roughly {$4500.00} dollars in payments made to them ), I made XXXX one-time payments of XXXX $ and XXXX $ on XX/XX/XXXX towards my credit cards, and checking the status next day, discovered the account I sent the XXXX $ to was put into a restricted status. Called Capital One on XX/XX/XXXX and was told that they couldn't tell me why, but I can no longer use that card. XXXX XXXX  XXXX XXXX XX/XX/XXXX to request a chargeback, and was told to approach Capital one first. Then called Capital One to request a refund, and they said they won't because it already posted. XXXX XXXX XXXX XXXXXXXX after to again request the chargeback, and was told I couldn't file for onXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-14 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : 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 2025-04-14 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: AR

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 2025-04-14 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: TX

Complaint narrative:
In accordance with the fair credit reportting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15
U.S.C. 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account whitout my written instrucions

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 2025-04-14 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: 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 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