vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-16 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: NY

Complaint narrative:
I took out a federal loan with XXXX during my college years ( XXXX ) for {$7000.00}. Upon graduation in fall of 2017, I set up automatic withdraw payments to my checking account for ~ {$70.00} per month. Unbeknownst to be, XXXX then shuttered and transferred my loan to Aidvantage. I, unaware of this company, did not receive any emails from Aidvantage because they went to my spam as I never consented to work with Aidvantage. They unenrolled me from my automatic payments for years, i assumed payments were paused due to the XXXX pandemic but would resume whenever the billing resumed and that i was accurately set up because I had always been on time with my loans and enrolled in autopay. Without contacting me, Aidvantage ( whom I had never worked with before ) resumed my billing but no longer had me enrolled for autopay. Without every contacting me via mail, they submitted my account as past due to the credit bureaus and significantly negatively impacted my credit score. I have always paid my bills on time and understand the importance of that. I was never made aware a. ) to whom I owed money b. ) when payment would restart, c. ) that i was 30 days overdue, d. ) that my autopay had been discontinued. This feels like a flagrant attempt to disenfranchise the American people by means of greed and deception. The IRS does not contact people exclusively via email, they mail letters. Why is the XXXX XXXX XXXX any different? Email addresses expire. Will we really be held accountable for not checking the spam from an unknown sender in a XXXX XXXX XXXX email address? I am XXXX of millions of American students who are suffering from their avarice and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) I am writing to formally file a complaint regarding my credit report, which has been affected by the recent Equifax data breach. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX other address should be listed. I have sent required documents and requested this be updated. Nothing has changed. 
I have been experiencing multiple issues with incorrect information being reported, despite my repeated attempts to rectify the matter by submitting proper documentation to Equifax. To summarize, the information reported is inconsistent and inaccurate, which is in direct violation of the following federal laws and codes : - * * 15 USC 6802 * * ( Privacy of consumer financial information ) - * * 15 USC 1681b * * ( Use of consumer reports ) - * * 18 USC 1028A * * ( Identity theft ) - * * 15 USC 44 * * ( Definitions ) - * * 18 USC 894 * * ( Extortionate collection of debts ) - * * 15 USC 1681e ( b ) * * ( Duty of a consumer reporting agency to maintain accurate information ) By law, there should be only accurate, verifiable information listed on my credit report. However, I am facing issues with multiple accounts being incorrectly reported. Below is a list of the accounts that need to be updated or removed : XXXX. * * XXXX This account is inaccurately reporting and has already been removed from other bureaus. Please provide proof that this account belongs to me, with contract bearing signature with third party company. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt was transferred to XXXX different XXXX. I request proof that I owe this debt. with contract bearing signature with third party company. XXXX XXXX XXXX XXXX XXXX The account is reporting inaccurately.. 
Additionally, I request clarification regarding whether these XXXX are required to hold a bond in the state of XXXX, as per the states regulations on debt collection. I also ask that you provide information on how these parties manage their books of accounts, financial, and corporate records, including documents, correspondence, and any acts related to the regulation of commerce. Lastly, many of these debts have been sold to third-party companies, and I am requesting that these accounts be updated accordingly to reflect the correct and updated status. If these accounts can not be verified as legitimate, I ask that they be removed from my report entirely. I trust that the Consumer Financial Protection Bureau will investigate these discrepancies and take the necessary action to ensure that my credit report accurately reflects my financial history. I look forward to your prompt response and resolution of these issues. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First, my name is spelled wrong and I can't go back to correct it without losing all information I've typed. My name is XXXX XXXX XXXX. 

I have been a victim of relentless hacking, electronic stalking and identity theft since XXXX. I reported it to local law enforcenent and on XXXX several times and have been ignored. It has resulted in the continuous inability to verify my identity for loan lenders and even for myself. I have been denied many small loans of {$2000.00} for car repairs over the past week because of identity verification problems. These hackers have taken over at least XXXX of my personal email accounts, social media accounts, photo accounts, and cloud accounts, including my XXXX account. They have created and use hundreds of fake profiles of me on social media websites, and these have ended up in most data brokers ' possession. These profiles are linked to me with bits and pieces of my PII ( and other data used for profiling ) that are combined with false information. I often can not remove my own online profiles due to my inability to verify my identity. My accurate answers to personal questions are deemed inaccurate, and I am unable to provide the incorrect answers they are seeking. Further, after having removed all false information from my credit reports, which replaced my original accurate information, my credit reports are virtually empty, another reason I can not get a small loan. Lastly, I'm XXXX and have limited resources.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First, my name is spelled wrong and I can't go back to correct it without losing all information I've typed. My name is XXXX XXXX XXXX. 

I have been a victim of relentless hacking, electronic stalking and identity theft since XXXX  I reported it to local law enforcenent and on XXXX several times and have been ignored. It has resulted in the continuous inability to verify my identity for loan lenders and even for myself. I have been denied many small loans of {$2000.00} for car repairs over the past week because of identity verification problems. These hackers have taken over at least XXXX of my personal email accounts, social media accounts, photo accounts, and cloud accounts, including my XXXX account. They have created and use hundreds of fake profiles of me on social media websites, and these have ended up in most data brokers ' possession. These profiles are linked to me with bits and pieces of my PII ( and other data used for profiling ) that are combined with false information. I often can not remove my own online profiles due to my inability to verify my identity. My accurate answers to personal questions are deemed inaccurate, and I am unable to provide the incorrect answers they are seeking. Further, after having removed all false information from my credit reports, which replaced my original accurate information, my credit reports are virtually empty, another reason I can not get a small loan. Lastly, I'm XXXX and have limited resources.

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 2025-04-16 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: TX

Complaint narrative:
First, my name is spelled wrong and I can't go back to correct it without losing all information I've typed. My name is XXXX XXXX XXXX. 

I have been a victim of relentless hacking, electronic stalking and identity theft since XXXX. I reported it to local law enforcenent and on XXXX several times and have been ignored. It has resulted in the continuous inability to verify my identity for loan lenders and even for myself. I have been denied many small loans of {$2000.00} for car repairs over the past week because of identity verification problems. These hackers have taken over at least XXXX of my personal email accounts, social media accounts, photo accounts, and cloud accounts, including my XXXX account. They have created and use hundreds of fake profiles of me on social media websites, and these have ended up in most data brokers ' possession. These profiles are linked to me with bits and pieces of my PII ( and other data used for profiling ) that are combined with false information. I often can not remove my own online profiles due to my inability to verify my identity. My accurate answers to personal questions are deemed inaccurate, and I am unable to provide the incorrect answers they are seeking. Further, after having removed all false information from my credit reports, which replaced my original accurate information, my credit reports are virtually empty, another reason I can not get a small loan. Lastly, I'm XXXX and have limited resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Detailed Timeline and Description : XXXX XXXX : I received an email communication from XXXX offering a {$500.00} bonus for refinancing my student loans with them. 


Prior to XXXX ( XX/XX/XXXX ) : Before applying, I carefully reviewed the terms and conditions of the {$500.00} bonus offer. To ensure eligibility, I contacted XXXX customer service directly on XXXX separate occasions and confirmed both times that I qualified for the promotion based on its terms. 


XX/XX/XXXX : Based solely on the availability of the {$500.00} bonus and the multiple confirmations of my eligibility, I applied for and was approved for a student loan refinance with XXXX. I understood this would result in a hard inquiry on my credit report, which I accepted only because of the value of the promised bonus. 


XXXX - XX/XX/XXXX : The bonus was not received within the expected timeframe ( typically mentioned in the offer terms, often XXXX days post-disbursement ). 


XX/XX/XXXX : I contacted XXXX customer service via phone to inquire about the missing {$500.00} bonus. During a lengthy call, the SoFi representative explicitly confirmed my eligibility for the bonus and stated that I would receive it in my account in early XX/XX/XXXX. I relied on this information. 


XXXX XXXX : The bonus was still not received by XXXX. 


XX/XX/XXXX : I contacted XXXX customer service again. During this call, I was informed by the representative that I was not eligible for the {$500.00} sign-up bonus, directly contradicting the information provided to me prior to application and during the XX/XX/XXXX call. I requested that XXXX review the recording of my XX/XX/XXXX call to verify the confirmation I received from their representative. 


Ongoing : I have spent numerous hours contacting XXXX attempting to resolve this issue, receiving conflicting information from their representatives. 


Unfair/Deceptive Practices : SoFi induced me to refinance my student loan ( and incur a hard credit inquiry ) based on a specific monetary offer ( {$500.00} bonus ). They confirmed my eligibility twice before I applied. After I completed the refinance and waited the required period, they failed to pay the bonus. Furthermore, a SoFi representative confirmed the bonus would be paid on a specific timeline ( early XX/XX/XXXX ), only for the company to later reverse this position and deny eligibility. This constitutes a bait-and-switch and a failure to honor promotional terms and subsequent confirmations by their own staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * XXXXXXXX XXXX XXXXXXXX * * * * * * * * * XXXX XXXX  XXXX * * * * * * * * * * XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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