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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) (
1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXXXXXX XXXX XXXX  - Balance : {$1600.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: 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: MN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) (
1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXXXXXX XXXX XXXX  - Balance : {$1600.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an invitation in the mail from Light Stream lender that I am pre-approved for a loan. I decided to apply for a {$40000.00} loan to pay off my high-interest credit card balances. 
They did not approve my application even though I have the following credentials : XXXX Score of XXXX No late payments on any of my loans Excellent credit history Home equity of $ XXXX XXXX income of over $ XXXX I also have my home loan through one of their affiliated company for $ XXXX for no late payments. 
All my credit card payments were paid on time and way over the minimum required amount. 
One would wonder who these guys give loans to then. 
They ran my credit for nothing and they wasted my time with their false advertising.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: EdFinancial Services
State: MN

Complaint narrative:
Because FERPA is a law that protects the educational data of every student in the U.S. It protects a student 's financial information, grades, disciplinary actions and other important information. According to this movement, by XXXX being able to access the DOE Financial information, DOGE has infringed upon my FERPA rights. 

XXXX XXXX has violated my FERPA rights as he has had access to my private student loan information through DOGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
In XX/XX/year> I started with smile direct. In XX/XX/year> I received a replacement as the first set did not work. In XX/XX/year> I requested another set as my teeth were still not straight. I never received instructions to get a refund. The finance company was notified and said they would file a refund. They did not. Now Ive been sent to collections with Tek collections that is illegally reporting a medical collection. 

I stopped making payments XX/XX/year> at the bankruptcy. XXXX  months later Im at collections. No legitimate company waits XXXX months to send an account to collections. 

I am a XXXX veteran on a fixed income. This whole situation is bad for my XXXX. 

XXXX Account # : XXXX Current Balance : {$1200.00} XXXX XXXX, Let 's settle your XXXX  account for an amount that is less than what you owe to resolve this outstanding balance once and for all. 

We can offer a settlement of {$930.00} which represents a XXXX XXXX reduction in the amount owed. 

Please call us at ( XXXX ) XXXX or pay online to take advantage of this limited offer. 

Collections Department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear Aidvantage, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/XXXX ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and explore legal remedies. 

Please contact me at ( XXXX ) XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I open a savings account with US bank on XX/XX/XXXX I was able to transfer {$5000.00}. XXXX  XXXX  application was set up but on the same time it was disabled. Immediately called the bank about the problem and I was told to wait 48hours to reactivate. I followed the instruction and try to log in after 48 hours but still no luck. I called the bank and to my surprise I was told that the account was closed. I was told that they were asking me to submit documents for verification and I failed to comply. No one ask me to submot any documents. After the call I got a secured email requesting documents I complied with the request and after a couple of days I received an email that my account was closed due to non compliance of documents requested. I was told that I will receive letter explaining why my account was closed and a Cashier 's check amounting the funds that were successfully transfered. After 3weeks of waiting nothing came and so I did follow up with the bank I was being trasferred several times to different department and no one can figure out how to resolve the issue. Until one banker told me to go to any nearest USBank branch and speak with the manager bring my social security card id and drivers license and they will issue the check right away. So I made an appointment and went to the bank. One week past and I did not get any update. Bank personnel named XXXX reach out to me to follow up If I was able to get update he ask me to come to branch so we can follow up. I left the branch dissppointed and clueless on whta is going on why they cant release my funds. Today is the XXXX week that US bank held my hard earned money for no reason. Their customer service is awful.

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 — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX had to preform test within weeks of each which resulted in deductible being applied since it was the same thing twice. I spoke to someone in billing who was to waive the charge as THEIR XXXX  MISREAD THE TEST WHICH IS WHY IT HAD TO BE REDONE. They advised it would be written off, not sure why it keeps coming up under different agencies.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute my loan debt due to a breach of my personal and financial data, which constitutes a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive information was compromised as part of the recent data breach involving XXXX XXXX and DOGE, which exposed personal and financial details without my authorization. This breach has caused significant harm and placed my financial security at serious risk.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my loan debt due to a breach of my personal and financial data, which constitutes a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive information was compromised as part of the recent data breach involving XXXX XXXX and DOGE, which exposed personal and financial details without my authorization. This breach has caused significant harm and placed my financial security at serious risk.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my loan debt due to a breach of my personal and financial data, which constitutes a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive information was compromised as part of the recent data breach involving XXXX XXXX and DOGE, which exposed personal and financial details without my authorization. This breach has caused significant harm and placed my financial security at serious risk.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: 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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the improper reinsertion of a XXXX XXXX XXXX account ( XXXX ) that was previously deleted from my credit report. In XX/XX/XXXX I disputed this account and Experian removed it on XX/XX/XXXX following my dispute. However, when I reviewed my credit report on XX/XX/XXXX, I found that the account had been reinserted without the necessary written notification. This action violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notice within five business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates substantiation with new and verifiable information. Since this account was previously removed due to being inaccurate or unverifiable, I question the legitimacy of any new evidence supporting its reinsertion. Additionally, this action fails to comply with 15 USC 1681e ( b ), which obligates consumer reporting agencies to ensure accurate and fair reporting practices. I request that this account be removed immediately, that you provide any evidence used to justify its reinsertion, and that you send me written confirmation of its deletion along with an updated copy of 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