vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
A previous complaint ( XXXX ) was filed for similar issue. After completing pay-off of my Student Loans, and having that recognized on multiple occasions by EdFinancial, the company has once again begun sending statements indicating a balance. Refer to their response to the above complaint as one source indicating loans are paid. Further still, the balance they are sending continues to grow despite being paid off and no new loans being opened. 

Through multiple attempts and long conversations Ive tried to rectify directly with the company with no such luck or satisfaction. In fact, following one recent conversation the principal balance actually increased. Customer service has no answers, supervisors and management are generally unavailable. There is some mention of a finance task to be executed that will rectify the scenario, but as of today that has not been taken care of. 

I continue to receive letters threatening default if not paid. As recently as today I received a notice indicating my repayment schedule has been EXTENDED with my first monthly payment being due on XX/XX/year>. 

This is now best described as a combination of Fraud and Harassment on one end and gross incompetence on the other end. The fact that this organization remains a servicer on behalf of the government is quite embarrassing. I wonder how many people are receiving similar notifications that just pay because they arent paying attention or arent connecting dots. 

It is my belief that so long as my name and information is within the systems of EdFinancial system this will continue to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My card was lost and it was used without my permission. The charges were fraudulent and I did not give consent. It was done XX/XX/XXXX to 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 monetary relief
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 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: CT

Complaint narrative:
I have sent numerous letters to Equifax and XXXX to correct this information but they have not.

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 2025-03-18 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:
am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX Account 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 2025-03-18 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I ordered boots from XXXX XXXX I did not like the boots. They were very poor quality. I asked for a return label and mailed them back. I have screen shots showing that they were shipped and received. I also told them to close the credit card. They are trying to charge me for boots I don't have and interest on the boots I don't have on the credit card I told them multiple times to close. They are trying to charge me {$170.00} for {$30.00} boots. I mailed the letter and no one from the disputes department has contacted me, but I get calls from the collections department daily. They are ruining my credit over boots that I sent back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
Equifax had a data breach I reported fraudulent activity on my account and they did not remove the accounts. They never showed me how it was verified the accounts are not on my TransUnion I'm a victim of fraud Is not my accounts I didn't not sign up Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate reporting of my XXXX XXXX XXXX credit card account on my credit file. This account ( Account XXXX. XXXX ) is listed as Paid in settlement with {$1700.00} written off, yet despite being fully settledand despite a written promise from XXXX  XXXX XXXX to remove this account once paidthe item remains on my credit report. 

Account Details : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement ; {$1700.00} written off ( Status updated XX/XX/XXXX ) Credit Limit : {$900.00} Highest Balance : {$1700.00} Responsibility : Individual Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that is incomplete or inaccurate. In addition, 15 U.S.C. 1681s2 mandates that furnishers report only accurate information. Given that XXXX  XXXX XXXX agreed in writing to remove this account upon settlement, the continued presence of this account on my credit report is not only misleading but also a violation of my rights. 

I have attempted to resolve this matter directly with XXXX  XXXX XXXX and the credit bureaus ; however, the account remains on my file. I therefore request that the CFPB investigate this matter and ensure that XXXX  XXXX XXXX complies with both its contractual obligation and the FCRA requirements by removing this paid account from my credit report. 

Please provide a written response detailing the outcome of your investigation. I have attached copies of my settlement agreement, the relevant pages of my credit report highlighting the disputed item, and my identification for your review. 

Thank you for your prompt attention to this matter.

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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX did not conduct a reasonable investigation of disputes of derogatory or hard inquiries in credit files, or in the alternative, did not remove the disputed hard inquiries XXXX that his credit report was obtained without a permissible purpose, XXXX did not contact the company that requested the credit report, nor did it remove the hard inquiry or derogatory he disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

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 explanation
Consumer complaint received 2025-03-19 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning a serious breach of privacy and unauthorized access to my personal information related to my federal student loans. Recent events have raised significant concerns about the security and confidentiality of sensitive data held by the Department of Education ( ED ). In early XXXX, reports emerged indicating that personnel from the Department of Government Efficiency ( DOGE ), led by XXXX XXXX XXXX, were granted access to the Department of Educations internal systems containing personal and financial information of millions of student loan borrowers without my consent or my loan services consent. This access reportedly included sensitive data such as my personal social security number, loan balances, and repayment histories. Subsequent legal actions have been initiated by various organizations alleging that this access constitutes a violation of federal privacy laws and can have grounds for discharge of federal loans according to FERPA, Privacy Act of 1974, and the Federal Trade Commission Act : Section 5. I am requesting a thorough investigation into the circumstances surrounding DOGEs access to EDs internal systems and determine whether such access violated federal laws and regulations. I ask that data security measures be reviewed and enhance data security protocols to prevent unauthorized access to sensitive borrower information in the future. Notification and inform all affected borrowers about the breach, detailing the nature of the information accessed and the potential risks involved. Remedial measures, implement corrective actions to address any adverse effects on borrowers resulting from this breach, including safeguarding the integrity of loan forgiveness programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXXb of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00}

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 2025-03-19 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXXb of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number : [ Your Account Number ] Dear [ Debt Collectors Name ], I am writing to you in response to a notice I received regarding an alleged debt with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Please note that this is not a refusal to pay, but rather a request for clarification and verification of the debt. 

Please provide the following information : 1. Proof that you have the legal right to collect this debt ( including a copy of the original creditors agreement and any transfer of ownership ).

2. Detailed account information ( including the original amount of debt, any fees or interest added, and the date the debt was incurred ).

3. Proof that I am legally obligated to pay this debt ( such as a signed agreement or contract ).

4. A copy of any judgment, if applicable.

5. The name and address of the original creditor ( if different from the current creditor ).

Please provide this information in writing within 30 days of receiving this letter. If you are unable to provide adequate validation, I request that you cease all collection activity and remove any negative reporting related to this debt from my credit report. 

Please also note that all future communication regarding this matter should be conducted in writing. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within XXXX days. Enclosed are the necessary documents for your review. Additionally, the account details are inconsistent, with different information being reported to each bureau.

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 2025-03-19 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The 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