vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
XXXX XXXX Previously XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : Subject : Formal Dispute of Unauthorized Access and Use of Personal Data FCRA 611 ( a ) ( 1 ) ( A ) I am writing to formally dispute unauthorized access to and use of my personally identifiable information ( PII ) related to my student loans. This communication is filed in accordance with Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which provides consumers the right to dispute information in their file that is incomplete or inaccurate.

It has come to my attention that an entity identified as DOGE accessed my private data, including but not limited to my name, Social Security number, financial data, and student loan information, through the U.S. Department of Education ( DOE ) without my knowledge or consent. This access appears to have resulted in unauthorized use, sharing, or modification of my student loan information.

Key points of my dispute : 1. I did not authorize DOGE or any affiliated entity to access or utilize my data held by the DOE.

2. No prior notification, consent, or legal disclosure was provided to me regarding this access or data sharing.

3. This potential data breach raises serious concerns regarding compliance with priva

cy regulations, FERPA, and consumer protection statutes. 4. I am requesting a full investigation and immediate correction of any related records that may have resulted
in inaccurate reporting, unauthorized servicing, or erroneous debt assignment.

Requested Actions : Initiate a formal investigation into this unauthorized access and use of my information.

Provide documentation verifying the legal basis upon which DOGE accessed my DOE records.

Remove or correct any inaccuracies or unauthorized activity from my credit file and/or loan servicing record.

Suspend any debt collection or loan-related activity connected to this unauthorized access until the investigation is complete.

Please treat this as a formal dispute and a demand for correction under FCRA 611 ( a ) ( 1 ) ( A ). If this matter also involves a potential breach of data security, I request your agencies coordinate with the Department of Educations Office of the Chief Privacy Officer and relevant cybersecurity authorities. 
Attached are copies of my identification, supporting documentation, and any relevant loan account records for your reference. 
I appreciate your immediate attention to this serious matter. Please confirm receipt of this letter and provide a written response within the time frame required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX affiliated with the US Department of Education, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
Was not able to speak with anybody on the phone or dispute online

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 2025-04-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WV

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-22 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: PA

Complaint narrative:
I requested the removal of the following Charge offs ' to be removed from my credit report in which only one of them was removed/deleted from all the Bureaus including Transunion, Experian and Equifax. The Charge offs listed below are currently still showing on my report and having a negative effect on my credit score. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> with a charge off amount of {$1100.00} is the first one. The second one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year> with a charge off amount of {$6700.00}. The third one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX with a charge amount off {$700.00}. The fourth one is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  with a charge off amount of {$2000.00}. A stated under the Internal Revenue Service publications 4681 a charge off is considered a certificate of indebtedness which is considered income. In which income can not be reported on a credit report and must be removed. I also never received a 1099 from none of the companies for the cancelled debt in order to file as ordinary income which is required by the Internal Revenue Service for debts over {$600.00}

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 2025-04-22 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: PA

Complaint narrative:
I requested the removal of the following Charge offs ' to be removed from my credit report in which only one of them was removed/deleted from all the Bureaus including Transunion, Experian and Equifax. The Charge offs listed below are currently still showing on my report and having a negative effect on my credit score. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> with a charge off amount of {$1100.00} is the first one. The second one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year> with a charge off amount of {$6700.00}. The third one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX with a charge amount off {$700.00}. The fourth one is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  with a charge off amount of {$2000.00}. A stated under the Internal Revenue Service publications 4681 a charge off is considered a certificate of indebtedness which is considered income. In which income can not be reported on a credit report and must be removed. I also never received a 1099 from none of the companies for the cancelled debt in order to file as ordinary income which is required by the Internal Revenue Service for debts over {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
My transunion credit report shows a fraudulent credit card which is the XXXX XXXX XXXX ending in XXXX. I contacted XXXXXXXX XXXX many weeks ago ago to notify them of this fraudulent account. XXXX XXXX executive office and credit department confirmed that card was not opened by me and they have notified all three credit bureau agencies to delete this card account from my credit report. The other two agencies, XXXX XXXX XXXX have deleted this card from my credit report already but Transunion is not. Transunion has been ignoring delaying my dispute and proof of letter form XXXXXXXX XXXX 
XXXX XXXX told me to use the letter to dispute the account. Transunion is not doing its job and not removing fraudulent account even after the Bank confirmed it and showed proof with the letter. There is no reason for this delay and refusal.

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 2025-04-22 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
I am filing this complaint against Bonneville collections agency because they sent sensitive account related information to an incorrect address that does not belong to me. This is a serious violation of my privacy and me they may have exposed my personal and financial details to someone else.

I did not receive the initial communication from the agency due to their error, and I only became aware of this issue after The agency responded to a complaint I filed the CFPB against the agency for violating my rights under the FCRA and the FDC PA act. And bonneville 's collection response to my complaint the The agency clearly states that they sent mail to a address I have no knowledge of so I wasn't never aware of the initial communication. 

I have since verified that they have incorrect contact information on file, despite my current and correct address being available. I have not been given an adequate explanation or resolution. 
This mistake has delayed my ability to respond to or resolve The issue and may have harmed my credit and put me at risk for identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AL

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 2025-04-22 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WI

Complaint narrative:
My personal information has been exposed due to a data breach. These accounts were already removed by XXXX after a proper investigation. I would like for the credit bureaus to follow suit and do the same thing. 

XX/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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My sister, who has a drug problem stole my debit card and my ID and used my debit card for all sorts of things. And I use my virtual card on my XXXX wallet so I never use my actual card so didnt even realize it was missing. When I logged into my bank and realized my account was a lot lower than it should have been I noticed a lot of charges not done by me and all used with my physical card! I disputed the charges, filed a police report and gave that police report to chime for the dispute! I also sent them text messages from my sister admitting she stole my debit card and used it and she didnt feel bad about it. I gave chime proof from the person who stole and used my card and a police report and they refuse to give my money back! 

And chime is at fault, they never closed my card and gave me a new one for a dispute I filed recently for unauthorized charges. If they would have closed that card and sent me a new one this wouldnt have even been able to happen in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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