vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: KS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Please note that this matter is part of a much larger issue involving XXXX of Chase 's largest clients and additional reports are likely to follow. 

Chase extended the lease agreement for this vehicle and failed to implement a payoff clause in the extension terms, requiring only that the extended payments be made to perform on the contract. No other contract exists or applies, giving ownership of the vehicle to Chase beyond the lease extension. 

Further, the contract was securitized, meaning Chase received full performance on the debt instrument, warranting a return of all payments made on the vehicle and maintained from the checking account, in excess of the amount in the Bill of Sale. 

Chase detailed account transaction statements show the checking account maintained a positive balance, but Chase asserts through a partial payment refund, that the account had a negative balance, for which a portion ( they did not identify the amount of ), was retained. Chase was unable to demonstrate the origin of any negative balance in its statement, nor did Chase provide a copy of full amount of the payment received into the checking, from which alleged negative balances were taken. Chase has yet to inform of the origins or full amount of this deposit, but given its inability to validate the alleged negative balance ( XXXX ), must return all amounts withheld. 

Chase reported to all XXXX credit bureaus, which were disputed twice and returned the same, that a profit & loss write off was submitted to cover an alleged remaining lease balance. No XXXX copy was ever provided and the request for such was not fulfilled. 

Chase can not legally negatively report any balance outside of the terms of the lease agreement to a credit bureau. Chase can not legally negatively report a securitized amount to a credit bureau. Chase can not legally write off a securitized balance and maintain ownership of the vehicle if it has been written off. Chase can not legally withhold payments or amounts received in a closed/inactive/disabled/frozen or other account on the basis of alleging a negative balance it is unable, by ledger, to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX BREACH OF INFORMATION student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I enrolled in a medical billing program through XXXX XXXX in XXXX and financed it through XXXXonterrey Financial. In XXXX, the Federal Trade Commission ( FTC ) reached a settlement with XXXX XXXX XXXX XXXX parent company ) due to deceptive practices. As a result, I received a refund check from the FTC for {$370.00}, confirming that I was one of the impacted consumers. 

I emailed Monterrey Financial on XX/XX/XXXX, to provide this information and ask for a review of my account. I followed up again on XX/XX/XXXX, after receiving no response. Despite being part of the FTC settlement, Monterrey Financial continues to demand full payment on the loan and has not responded to either of my emails. 

I am requesting that the CFPB help ensure the company acknowledges the FTC findings and reevaluates the legitimacy of the loan I am being held responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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.
State: FL

Complaint narrative:
I contacted cfpb concerning a 1099c from XXXX I recieve in XX/XX/XXXX because it is considered income that I have to report on my taxes you contacted XXXX  and they responded with a letter saying they sent me a 1099c in XXXX which was a lie they sent it this year XX/XX/XXXX and they said that they will contact all three credit bureaus and change my balance to {$0.00} and the 30 days is over they never change it or remove it because as a 1099c is income and it must be deleted.I will attach XXXX letter and the pictures where the balance is on all three credit reports as today XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I contacted cfpb concerning a 1099c from XXXX I recieve in XX/XX/XXXX because it is considered income that I have to report on my taxes you contacted XXXX  and they responded with a letter saying they sent me a 1099c in XXXX which was a lie they sent it this year XX/XX/XXXX and they said that they will contact all three credit bureaus and change my balance to {$0.00} and the 30 days is over they never change it or remove it because as a 1099c is income and it must be deleted.I will attach XXXX letter and the pictures where the balance is on all three credit reports as today XX/XX/XXXX 2025

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 2025-04-08 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 BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-08 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 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 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
The inclusion of fraudulent and misleading information on my consumer report persists despite my numerous attempts to address these issues. This unauthorized information, resulting from identity theft, has caused significant distress in my life and continues to negatively impact my financial standing. I never authorized or consented to these items being associated with my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Respectfully, I bought goods in Virginia that I paid for, the shipping company never delivered the goods because their ship was seized in XXXX in XXXX, the owner sued on my behalf and I received a court judgment and compensation of XXXX dollars. I received an email from CPA / FOA where they claimed that the XXXX XXXX Bank stopped the payment because I am from XXXX, which is discrimination, I also paid taxes because I am not a citizen, however, the CPA claims that the bank will not pay me, I went bankrupt and had a XXXX XXXX, I took out a mortgage on my house to repay debts and treatment, I need help and an answer, what is the reason that after XXXX  months I can not get the money

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 2025-04-08 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: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX XXXX Rights and Privacy Act FERPA protects the confidentiality of students records. This breach is a clear violation of XXXX. And your responsibility to safeguard my information given the severity of the breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} - Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} - Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} - Charge Off XXXX XXXX XXXX XXXX XXXX, XXXX {$840.00} - Colection XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} Collection Inquiries included in dispute : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} - Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} - Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} - Charge Off XXXX XXXX XXXX XXXX XXXX, XXXX {$840.00} - Colection XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} Collection Inquiries included in dispute : XXXXXXXX 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

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. My Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MD XXXX Phone Number : ( XXXX ) XXXX Email : XXXX XXXX. Loan Servicer Information : Servicer Name : MOHELA Loan Account Number : XXXX Type of Loan : Federal/Private Loan XXXX. Nature of Complaint : Select all that apply : Incorrect loan balance reported Misapplied or missing payments Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) Failure to process loan forgiveness or discharge requests Inaccurate reporting to credit bureaus Unlawful collection practices X Other : XXXX. Description of the Issue : I am filing this complaint against MOHELA regarding unauthorized access, and unauthorized given, and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personal identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. 
Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
From XXXX to late XXXX, I was held XXXX and XXXX trafficked by my ex-boyfriend. During that time, he forced me to make several purchases on my credit card under the threat of physical XXXX. This resulted in me accumulating the balance of over {$6000.00} that is currently on my card. Despite submitting documentation in the form of a police report and restraining order to Navy Federal Credit union, they determined that this wasnt sufficient enough evidence during their investigation of the charges and concluded that I was responsible anyways. They did not provide reasoning as to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
Ive discovered that a company pulled my credit without my permission. I never authorized them to do so, and Im concerned that my information was used without consent.

Company response to consumer: Closed with explanation