vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-13 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I discovered unauthorized and illegal access to my personal financial data by XXXX XXXX and XXXX., causing me significant concern and distress. It appears that my financial accounts and personal records were accessed without my knowledge or permission, suggesting a serious breach of privacy. I have taken precautions by contacting my financial institution and monitoring my credit reports, but I remain worried about potential identity theft and the misuse of my information. I strongly believe that an investigation is warranted to determine how XXXX XXXX and XXXX were able to obtain and access my financial records without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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.
State: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I want this debt and false charges remove from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AL

Complaint narrative:
Credit reporting agency has reported that there is 30 closed accounts on my credit report. If those 30 accounts are closed then my credit report is completely incorrect and these items needs to be removed immediately.

Accounts follow : 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  All these accounts has been closed and still reporting on my credit report. Thats illegal to do.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered unauthorized and illegal access to my personal financial data by XXXX XXXX and D.O.G.E., causing me significant concern and distress. It appears that my financial accounts and personal records were accessed without my knowledge or permission, suggesting a serious breach of privacy. I have taken precautions by contacting my financial institution and monitoring my credit reports, but I remain worried about potential identity theft and the misuse of my information. I strongly believe that an investigation is warranted to determine how XXXX XXXX and D.O.G.E. were able to obtain and access my financial records without my authorization.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation.

The following items that I'm disputing are as listed : XXXX XXXX XXXXXXXX - {$9500.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

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 2025-03-13 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: CO

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

The following items I am disputing are the following : XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$25.00} XXXX XXXX XXXX XXXX - XXXX XXXX {$510.00} XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1100.00} XXXX - XXXX - {$310.00} XXXX  - XXXX - {$1800.00} XXXX XXXX XXXX XXXX - {$3200.00} XXXX XXXX XXXX - {$730.00} XXXX - XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXXXXXX - {$0.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and the accounts listed are stopping me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-13 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: FL

Complaint narrative:
these accounts do not belong to me XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX$560.00} XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
these accounts do not belong to me XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX$560.00} XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$360.00}

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: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I am writing to formally file a complaint against Doge [ Company/Organization Name ] for violations of consumer privacy rights and to demand full forgiveness of any outstanding debt related to their services. As a consumer, I am deeply concerned about the manner in which Doge has been handling personal and financial information, potentially infringing upon the privacy rights guaranteed under federal regulations. 

Specifically, my complaint involves the following issues : Unauthorized Data Collection : Doge has been collecting sensitive personal and financial data without proper consent or clear disclosure of their data collection practices.

Failure to Protect Consumer Information : There have been multiple reports of data breaches or mishandling of consumer data, putting personal information at risk.

Lack of Transparency : Doge has not provided clear, accessible privacy policies outlining how consumer data is used, stored, and shared with third parties.

Failure to Honor Consumer Opt-Out Requests : Despite submitting requests to opt out of data sharing, Doge continues to share consumer information with third parties without explicit consent.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
They called on XXXX said I owed a credit card debt from XXXX XXXXXXXX yrs ago and said they were from a mediation company and this was the final attempt at contacting me they were going to sue me put it on my credit garnish my paychecks and take my taxes they said I maxed out a credit card for roughly {$2400.00} and my options were to pay XXXX XXXX month until its paid or go to court and sue me ending up paying around {$3600.00} or to pay {$450.00} for 3 months to pay it off I agreed ( because they scared me ) to pay the {$450.00} for the next 3 months I transferred my money from my bank to my cash app card because I was scared it was a scam and when they ran my card I got an alert saying they ran it for {$4500.00} they asked if my card was locked I told them no and informed them it was denied because they ran it for {$4500.00} instead of {$450.00} they said no we didnt do that then proceeded to ask me what bank I have I told them its none of your business Im not stupid I transferred money to my cash app card to pay for it and they assured me it was a typo the following day, I received a call from another company saying that theyre the ones who owed the debt and proceeded to tell me that I was scammed now I think everything was a scam. Please help.

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: Nelnet, Inc.
State: TX

Complaint narrative:
There are ongoing legal actions and investigations regarding allegations that XXXX XXXX 's DOGE team accessed private student loan data without consent. Several lawsuits have been filed, and civil rights organizations are calling for thorough investigations into these claims of data misuse. I am writing to formally express my deep concern and dissatisfaction regarding the violation of my privacy rights by XXXX XXXX and his Department of Government Efficiency ( DOGE ). It has come to my attention that XXXX XXXX 's team has unlawfully accessed my private data through the Department of Education, which has resulted in the sharing of my sensitive information with credit reporting agencies without my consent. This breach of privacy not only undermines my trust in the systems designed to protect personal information but also poses a significant risk to my financial security and personal well-being. The unauthorized access to my data, which includes personal and financial details, is a clear violation of privacy laws and regulations that are meant to safeguard individuals from such intrusions. I demand immediate action to rectify this situation, including a thorough investigation into how my data was accessed and the implementation of measures to prevent future violations. It is imperative that those responsible for this breach are held accountable, and that my rights as a citizen are restored and protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt 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: 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Dept of education XXXX XXXXXXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law. 
If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation