vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Already received forgiveness for Federal student loans through the borrowers defense settlement. 
Loans from school were deemed as predatory/pressured by school or some other egregious act that allowed for loan forgiveness Requested similar action from AES for my private student loans Received an arbitrary denial response which did not have transparency beyond the fact that AES stated that " private student loans '' are not offered eligibility for loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
From XXXX I was charged for an account I had closed. I have since stopped payments and I haven't received a call, mail, email from this company which leads me to believe that they know they were collecting unbenounce to me. I have attached all dataes and amounts. I can't find this company or contact them. All I have is the company ID and name on my statements.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I had a Bank of America Credit card in the early XXXX, starting in XXXX. I ran up the card and was young and didn't pay it. I got a collection call close to XXXX where i paid a company close to {$1000.00} dollars. About XXXX years later i got another call for the same debt but higher, telling me i paid a fraudulent company and that Bank of America was going to take me to court to pay it. I contacted Bank of America multiple times and was never given an answer. My father paid the company to close the debt. My father and myself just got a call from a property and appraisal service saying that a lawfirm for Bank of America is again coming after the debt and my assets but i have had no calls before this or documents in the mail. Right now the debt would be close to XXXX XXXX XXXX and i have tried to contact Bank of America since XXXX to get this taken care of and have never got an answer to how. I thought it was settled last time but now another call and i believe it is still on my credit history.

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 2025-04-09 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: MI

Complaint narrative:
I recently noticed Experian still havent updated outdated information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department XXXX Government XXXX ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : TransUnion Reporting Fraudulent Auto Loan Identity Theft Violation To Whom It May Concern, My name is XXXX XXXX XXXX, and I am submitting a formal complaint regarding a fraudulent auto loan account reported by XXXX XXXX XXXX that TransUnion is continuing to report, despite its removal from both XXXX and XXXX following successful fraud disputes. 

This account ( XXXX XXXX XXXX Account # XXXX ) was fraudulently opened in my name without my consent. No documentation exists with my signature, nor was I present or involved in any car purchase. Ive confirmed that an employee from the XXXX dealership used my identity to open this account, and I have supporting documentation including : Police Report Identity Theft Affidavit Confirmation that XXXX and XXXX have removed this account Updated credit reports showing no record of this account on XXXX or XXXX TransUnion report still showing Repossession and Charge-off status with a {$12000.00} balance The continued presence of this account on my TransUnion report is illegal under the Fair Credit Reporting Act ( FCRA ) and is actively harming my credit score, financial reputation, and well-being.

FCRA Violations by TransUnion FCRA 1681c-2 Blocking fraudulent information upon identity theft report : Ive submitted proof of identity theft. TransUnion must block the disputed account from further reporting.

FCRA 1681i ( a ) ( 5 ) ( A ) Disputed info must be removed if unverifiable or fraudulent : Since XXXX and XXXX have deleted the account as fraudulent, TransUnion is obligated to remove it unless they can independently verify its legitimacy. 

FCRA 1681s-2 ( a ) ( 3 ) Duty to report corrections across bureaus : XXXX XXXX XXXX is responsible for notifying all CRAs. XXXX and XXXX acted. TransUnion has not. 

FCRA XXXX ( c ) Uniform reporting across agencies : There is no uniformity when TransUnion alone continues to report known fraudulent data. 

Note : There are still plenty of other fraud accounts ; however, all the other credit bureaus have removed XXXX after further review. Please review our previous conversations.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been affected by several data breaches. Per 15 USC 1681 c-2 states except as otherwise provided in this section, all consumer reporting agencies shall block the reporting of any information on the consumers file of a consumer that the consumer identifies as not theirs.

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 2025-04-09 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I owned a small business from XXXX and employed one female assistant in XXXX. She was what I thought a loyal and capable assistant/partner in my business. However, in by XXXX it was evident she was stealing money from company funds and not small amounts either. I gathered evidence over most of the last-half of XXXX and early XXXX. In XX/XX/XXXX I took my video and financial evidence to the police in my small town. They agreed I had a case for calling all debt collectors and advising them what happened to allow them to absolve me or my business of any responsibility for nearly XXXX in credit card debt. Nearly all those companies who suffered from her fraud, did NOT attempt to collect payment from me or my business. However, one company has been restless with its pursuit of my debt to them propagated by her fraud. That is XXXX XXXX. Just yesterday they sent me another notice some 6 years and 3 months post fraud and this time when I spoke to their representative I was told they would ( and I quote ) : Come after every XXXX of my SSDI until their debt was settled, further he went on to state that quote, No one here at this company in a decision making capacity believes you are XXXX and not working, heck we checked your income its over XXXX. No one earns that kind of coin on gimp pay. I tried to assure him and offered what little proof I have, but no. I was threatened with a lawsuit despite the default being almost 7 years agoI dont believe that XXXX XXXX can take me to court after this much time but wanted to double check with the expertsMany Thanks! 
XXXX in Arkansas

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has been ignoring my evidence regarding a dispute XXXX or 4 times now. I have even called in and escalated it, they told me over the phone that they see that the evidence has been ignored and they will make the merchant respond to the new problem. The resolution ended up being another copy and paste of the merchants response from XX/XX/2024 with zero context to the current problem and evidence. This is also my second attempt at doing this CFPB complaint as my last one was responded with a copy and paste of the same resolution that Amex had sent me, which has rendered me XXXX help. Please accurately review this. I have attached a full explanation that responds to all three points the merchant had made and American Express has all picture and photo evidence of all damages and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
My credit report reflects multiple unauthorized hard inquiries that I did not approve. These entries are actively damaging my credit standing and raising serious red flags regarding potential identity theft. Despite previous assurances from XXXX that these inquiries would be removed, they remain unresolved. 

This is an alarming violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct breach of my privacy. The continued presence of these unauthorized entries is unacceptable and is causing me significant emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-09 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX  I had an emergency XXXX XXXX XXXX XXXX. I have and had XXXX insurance that should've covered the bill. However i was still personally billed. I contacted Medicaid and they said they paid the bill. I believe the doctor has a personal vendetta against me because I reported her for discharging me immediately after the XXXX  although I could not walk. Now the hospital had sent XXXX  bills to the credit bureaus as if I obtained a loan from them. Medicaid has confirmed they paid the XXXX bill. I'm responsible for {$0.00} co-pay and the XXXX was covered. I requested Equifax remove the hospital bill from my credit report via online dispute because of the new law however they did not. They simply verified the debt with the creditor incorrect records. I cited the new rule to Equifax regarding restricting medical bills, they did not restrict the information and the debt was questioned to me from a lender who was still able to consider it as a sample of how I handle debt when it does not reflect my actual good history of paying lenders. This is a credit report. I have not received any credit or loans from the hospital as stated on the report that " we had terms of XXXX  month ''. There was no agreement to pay any amount. They accepted my insurance. This is not a credit plan or loan transaction.

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 2025-04-09 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:
In XXXX  I had an emergency XXXX XXXX XXXX XXXX. I have and had XXXX insurance that should've covered the bill. However i was still personally billed. I contacted Medicaid and they said they paid the bill. I believe the doctor has a personal vendetta against me because I reported her for discharging me immediately after the XXXX  although I could not walk. Now the hospital had sent XXXX  bills to the credit bureaus as if I obtained a loan from them. Medicaid has confirmed they paid the XXXX bill. I'm responsible for {$0.00} co-pay and the XXXX was covered. I requested Equifax remove the hospital bill from my credit report via online dispute because of the new law however they did not. They simply verified the debt with the creditor incorrect records. I cited the new rule to Equifax regarding restricting medical bills, they did not restrict the information and the debt was questioned to me from a lender who was still able to consider it as a sample of how I handle debt when it does not reflect my actual good history of paying lenders. This is a credit report. I have not received any credit or loans from the hospital as stated on the report that " we had terms of XXXX  month ''. There was no agreement to pay any amount. They accepted my insurance. This is not a credit plan or loan transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and the Fair Debt Collection Practices Act ( FDCPA ). I did not authorize these inquiries, and under the law, a company must have permissible purpose before accessing my credit file. 
The unauthorized inquiries in question are as follows : Inquiry : XXXX XXXX  Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681b, a credit reporting agency is only permitted to provide my consumer report under specific circumstances, including a legitimate business transaction that I have initiated. Since I have not authorized these inquiries, they are in violation of federal law and must be removed immediately.

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 2025-04-09 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: CT

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 2025-04-09 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: CT

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 2025-04-09 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: SC

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 response to consumer: Closed with non-monetary relief