vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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 am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of personal and financial information. My information was compromised without my authorization. This breach has violated multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. 
Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974, which protect the confidentiality and privacy of student records and personal information. 
As you are likely aware, FERPA and the Privacy Act of 1974 require that any disclosure or access to student records and personal information must be done in accordance with strict federal regulations. The unauthorized disclosure of my records constitutes a direct violation of these laws and has caused significant harm, both personally and financially. 
I discovered that my personal and financial information, including but not limited to my Social Security number, financial data, and student records, were compromised in a manner that breached both federal laws, including being improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties. 
In light of these serious violations, I respectfully request an immediate cancellation and discharge all federal student loans associated with my name and Social Security number in full. The breach of my personal and financial information has left me vulnerable, and I believe that the continued existence of these loans is unjustified under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-24 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: TX

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i regarding inaccurate and misleading information appearing on my credit report. 

The account from XXXX XXXX XXXX is currently listed as : Closed, with remarks : Profit and Loss Write-Off Yet continues to show late payment updates, including recent activity well after closure Reflects a Charge-off status but continues to report payment delinquency as if the account were open This reporting is deceptive, incorrect, and damaging. Per the FCRA, furnishers are legally required to : Report only complete and accurate information [ 1681s-2 ] Cease updating payment activity after account closure or charge-off unless a valid legal reason exists Correct or delete inaccurate information that can not be verified [ 1681i ( a ) ( 5 ) ] I was not informed properly of the repossession timing and denied an opportunity to reclaim or settle the vehicle before auction, which raises compliance issues under Texas state law and federal repossession protections, especially during or shortly after the COVID-19 forbearance protections that were inconsistently communicated.

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 2025-04-24 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 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 2025-04-24 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:
b'I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor\n\nPERSONAL INFO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 explanation
Consumer complaint received 2025-04-24 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-04-24 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: WI

Complaint narrative:
Creditor Reporting Charged-Off Account as Open and Delinquent for Over 20 Months I am filing this complaint because XXXX XXXX XXXX is inaccurately reporting a charged-off account on my credit reports. The account was charged off approximately XXXX 2023 after 120 days delinquency, yet the original creditor is still reporting the account as open and past due every month since the charge-off. 

When I contacted the creditor directly, they claimed that they own the collections agency the debt was charged off to, which they use as justification for continuing to report it as open and late. However, this is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires all furnishers to report data accurately. Once an account is charged off, it should be reported as closed and charged off, not still accumulating late payments each month. 

This inaccurate reporting is harming my credit score and creates a false impression that I am continuing to miss payments on an open account, which is not the case. 

I am requesting that the CFPB investigate this issue and that XXXX XXXXXXXX XXXX be required to correct the credit reporting to accurately reflect the charge-off and stop reporting new delinquencies on the account. 

Contacts at XXXX are : XXXX XXXX XXXX ext. 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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt you claim I owe that has been charged off by the original creditor and is now in your possession. This letter is a formal request for validation of that debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Additionally, I am invoking my right under 15 U.S. Code 1692c ( c ) to request that you cease further communication unless you provide the following : XXXX. The name and address of the original creditor and the date the debt was charged off. 
XXXX. A copy of the original signed agreement or contract, showing my obligation to pay. 
XXXX. A full accounting of the debt, including all principal, interest, fees, and payments made. 
XXXX. Documentation proving that you have legal ownership or collection rights over this charged-off debt ( e.g., bill of sale or assignment agreement ). 
XXXX. The date of last payment, and whether this debt is within the statute of limitations in my state. 

If you are unable to fully validate this debt, you are legally required to remove all references to it from my credit reports with any and all consumer reporting agencies to which you have reported. 

This letter is not an acknowledgment or acceptance of the debt. I am simply exercising my rights under federal law. If you continue collection efforts or credit reporting without full validation, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please respond in writing. I am keeping records of all communications related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I requested validation of an alleged debt from Midland Credit Management, represented by XXXX XXXX, XXXX. Originally on XXXX which they didnt provide. Then again on XXXX XXXX and my final letter on XXXX XXXX. The alleged debt amount is XXXX $ They failed to provide sufficient documentation under the FDCPA. They sent incomplete records, including a Bill of Sale that does not list my account and credit card statements without proof of a signed contract or full chain of ownership from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Midland Credit ). 

Without a proper chain of assignment and a signed agreement proving I owe this debt, they lack legal standing to collect. They continue to attempt collection without proper validation, which violates my rights under the FDCPA. I request an investigation and that they cease collection efforts until they fully validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Today XX/XX/year>, I checked my credit report. There is medical debt ( also under dispute ) that is being reported by XXXX XXXX XXXX XXXX that is negatively affecting my credit report & is visible to a lender. So far, I have contacted Experian to resolve this matter & have been told there is nothing they can do and keep referring to a state level mandate rather than the federal law that has been recently passed prohibiting exactly this. I need help resolving this matter & so far Experian wants to pretend they dont have to do anything. 

Thank you 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXXSubject: Fraudulent AMEX Account Due to Identity Theft  Urgent Dispute Request\n\nComplaint:\n\nI am reporting a case of identity theft that has resulted in a fraudulent American Express (AMEX) account appearing on my credit report. I did not apply for, open, authorize, or use this account. My personal information was stolen and misused to open the following unauthorized accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance: XXXXMonthly Payment: $0.00XXXXTo be absolutely clear:XXXX  have no affiliation with this accountXXXXI did not submit any application or sign any agreement related to this accountXXXXI have never logged into or accessed this account.\n\nI have never made any charges or payments on itXXXXThis account was fraudulently created in my name without my knowledge or consentXXXXThis situation is severely affecting my credit profile and financial wellbeing.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against JPMorgan Chase Bank for Improper Handling of Chargeback Claims Dear Sir or Madam, I am writing to formally lodge a complaint against JPMorgan Chase Bank ( Chase ) regarding their handling of my chargeback claims. Chase has repeatedly closed my claims without providing any evidence or documentation to substantiate their decisions, in violation of their obligations under Regulation E of the Electronic Fund Transfer Act ( 12 CFR Part 1005 ). 

On XX/XX/XXXX, I initiated chargeback claims with Chase for unauthorized transactions on my account, totaling {$130.00}. Despite my timely submission of all required documentation and clear evidence of unauthorized activity, Chase closed these claims without resolution in my favor. More concerning, Chase has failed to provide any details or evidence regarding the research or investigation process they claim to have conducted. This lack of transparency and failure to adhere to procedural requirements under Regulation E, specifically XXXX, which mandates that financial institutions investigate promptly and provide a determination based on a reasonable investigation, is unacceptable. 

Regulation E explicitly requires banks to provide consumers with a written explanation of the findings, including evidence used in their determination, when resolving error claims. Chases refusal to disclose any supporting documentation or rationale for their decisions not only undermines my rights as a consumer but also suggests a systemic failure to comply with federal regulations designed to protect consumers from erroneous or unauthorized transactions. 

I respectfully request that the Consumer Financial Protection Bureau investigate Chases practices regarding the handling of my chargeback claims. Specifically, I ask that you compel Chase to : Reopen and thoroughly investigate my chargeback claims in accordance with Regulation E. 



Provide a detailed written explanation of their findings, including all evidence relied upon in their determination. 



Ensure compliance with all applicable federal regulations to prevent further violations. 


Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address Chases non-compliance and protect my rights as a consumer. Please keep me informed of any developments in this case. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
The company improperly reported an adverse comment on my credit profile & violated the privacy act of XXXX which has caused a financial hinderance to me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation