vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
Brock & Scott , PLLC. is attempting to collect an unverified debt on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has not produced proof of claim, proof of note or a valid wet ink signature that exists between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have requested documentation and proof of claim that they are the rightful holder in due course, and have not produced my wet ink signature promissory note. I do not have and evidence of a XXXX signature wet ink contract that exists between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

Brock & Scott , PLLC. has not provided proof of claim or documentation that XXXX XXXX XXXX XXXX is the rightful holder in due course or produced my wet in signature promissory note. I do not have evidence of a contract between XXXX XXXX and Brock & Scott , PLLC. 

Brock & Scott , PLLC. has not ensured proper service of summons as he has listed " ANY SPOUSE OF XXXX XXXX '' which is a fictional entity and impossible to identity. There is no additional entity listed in any other documentation. 

Documentation was not properly delivered as Brock & Scott , PLLC. has failed to demonstrate due diligence in attempting service without a signature from the clerk, assistant clerk, or deputy clerk of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
XXXX XXXX and DOGE, of which no one involved has clearance to view my personal data, especially my student loan data, have in fact viewed and received my student loan data. And because they do not have clearance to do this, they have breached the contract of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is against Equifax for the unauthorized reinsertion of accounts ( XXXX XXXX XXXX and XXXX ) in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted XXXX, yet Equifax has reinserted them XXXX  without providing the required notification, which is a direct violation of federal law. Equifax is the only credit bureau that has done XXXX XXXX nor XXXX have reported or reinserted these accounts. Under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation within XXXX  days of a dispute. However, despite multiple disputes, Equifax has failed to provide any proof of how these accounts were investigated, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ). Additionally, Equifax never provided the legally required notice of reinsertion within XXXX business days, further violating 15 USC 1681i ( a ) ( 5 ) ( B ). As a direct result of XXXX actions, my credit score dropped, leading to a financial denial. This reinsertion also lacks a permissible purpose, violating 15 USC 1681b. XXXX repeated disregard for federal law has caused me financial harm, and I am seeking immediate corrective action. These accounts must be permanently removed from my credit report, and Equifax must be held accountable for its violations. I request that the CFPB take appropriate action to address XXXX ongoing noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
Student loan information was obtained by XXXX. Loan and personal information date was viewed and the contract was therefore broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, 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 2025-03-14 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: EdFinancial Services
State: OK

Complaint narrative:
It has come to my attention that the recently created company that is the Department of Government Efficiency has accessed my personal loan information without proper clearance or my consent. By accessing this information in this way, the company has violated the Family Educational Rights and Privacy Act and broken the contract of my student loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-14 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: MA

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 ( XXXX ) 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 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 2025-03-14 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: MA

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 ( XXXX ) 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 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 2025-03-14 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated 03/12/25 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated 03/12/25 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for the student loan forgiveness, XX/XX/XXXX under the Biden administration. I was told about a partial forgiveness, with a temporary hold in payments. I graduated in XXXX, I am XXXX XXXX XXXX and living on a fixed Social Security income. Since this new administration and the DOGE takeover of the Department of Education, I am not completely comfortable with my information being farmed out to any other agency for collection of payments. This violates my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
This is an issue/complaint dealing with FERPA - Family Educational Rights and Privacy Act. This is a U.S. federal law protecting the privacy of student education records, granting parents access to their children 's records and controlling their disclosure, with rights transferring to the student upon turning 18 or attending school beyond high school. I apologize of i selected the incorrect options. 

XXXXXXXX XXXX XXXX XXXX do NOT have the clearance to access or view my personal data, especially my student loan data. The fact that XXXX and DXXXX HAVE viewed and accessed my data is a breach of contract that is to HAVE my federal student loans. What XXXX and his department have done is illegal. They have viewed my personal data WITHOUT my consent, and without the government clearance. 

Again, this has broken the contract of my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is against TransUnion for the unauthorized reinsertion of accounts ( XXXX XXXX XXXX and XXXX ) in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted XXXX, yet TransUnion has reinserted them XXXX  without providing the required notification, which is a direct violation of federal law. TransUnion is the only credit bureau that has done XXXX XXXX nor XXXX have reported or reinserted these accounts. Under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation within XXXX  days of a dispute. However, despite multiple disputes, TransUnion has failed to provide any proof of how these accounts were investigated, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ). Additionally, TransUnion never provided the legally required notice of reinsertion within XXXX business days, further violating 15 USC 1681i ( a ) ( XXXX ) ( B ). As a direct result of XXXX actions, my XXXX XXXX dropped, leading to a financial denial. This reinsertion also lacks a permissible purpose, violating 15 USC 1681b. TransUnions repeated disregard for federal law has caused me financial harm, and I am seeking immediate corrective action. These accounts must be permanently removed from my credit report, and TransUnion must be held accountable for its violations. I request that the CFPB take appropriate action to address XXXX ongoing noncompliance with the Fair Credit Reporting Act.

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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have banked with Wells Fargo for many, many years. I have numerous accounts with them. A few weeks ago I noticed there were hundreds of spam emails coming to my business account Then, the next day I discovered my bank accounts had been emptied for very large sums of money. Immediately I contacted the Fraud Department at the bank, to report the criminal activity so I could get my money back. Wells Fargo said they would do a XXXX investigation, and I was expecting swift return of this money as the bank advertises your accounts are FDIC insured XXXX The hacker somehow got into my accounts and started transferring credit card advances to my business checking account in large sums such as {$25000.00} and {$30000.00} at a time. They then went into the checking accounts and transferred the money out like a bill pay. Wells Fargo is denying the claim and not putting the funds back into my accounts. Also, I filed a report with the XXXX XXXX XXXX regarding this theft. The XXXX told me they could get a search warrant to go into Wells Fargo to find out who took this money. However, because of the short-staffed department, it could take some time. 

Understandably, I am upset as what I thought were my protected funds at Wells Fargo are obviously not. If bank 's don't protect their clients then where can you put your money. I would like you to investigate Wells Fargo, as this has probably occurred to many people.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to express my deep frustration with Chase Bank regarding an unauthorized charge of {$100.00} on my Freedom credit card. Despite contacting the fraud department at XXXX on XXXX separate occasions, I have received conflicting information each time. The lack of consistency and accountability is unacceptable. 

The representatives have provided contradictory explanations, and each agent has described a different scenario regarding the charge. I have been repeatedly told that I would receive a call back, yet I have only found myself having to initiate follow-ups without resolution. 

Chase has claimed that my card was physically used for the transaction, asserting that it was conducted by me simply because I reside in XXXX, FL, where the transaction occurred. This assumption is both inaccurate and unacceptable, as I did not authorize this transaction. 

The handling of this issue has been highly unprofessional and frustrating. I expect immediate clarification and resolution regarding this matter, including a detailed investigation and a formal response explaining why this unauthorized charge has not been reversed. Failure to address this promptly will leave me with no choice but to escalate this matter further. 

I trust that Chase will handle this situation with the seriousness it warrants and provide a swift resolution.

Company response to consumer: Closed with monetary relief