vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It XXXX Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I submitted a claim for fraudulent activities. The claim was auto approved the same day and {$600.00} was credit to my account. I called Truist Fraud Department back the next day XX/XX/XXXX and informed them that a few transactions were not included on my claim though I gave the transaction to the Claim representative. I was told because this claim was closed I would need to make a new claim to add the transactions. I added the XXXX addition transaction. I received XXXX credit for {$470.00} back to my account and the other XXXX was denied. In my denial letter it stays there were a pattern of transactions from the same merchant that were not previously disputed I called Truist back today XX/XX/XXXX for clarity. The first rep I spoke with we were working together to see the transaction that were not included and found the XXXX transactions were never made previously. The call got disconnected so I called back and I spoke with XXXX. He said that they fraud team found the transaction to be valid and made by me. I said based on my denial letter that was not the issue. He asked me to read what the denial letter said. When I read it he said he will look at my bank statement and see if the transaction were there. They werent but he said in order for me to open a XXXX nd review I would need a place report. I said I only have the information the officer gave me I dont have a police report and where Im from it can take XXXX weeks to get a police report. They only give out the police report number and district contact information. This rep was no help and when I asked for a reference number the said it was no reference number and he can only give me his first name. I called BACk and this rep gave a TOTALLY DIFFERENT reason the claim was denied. And it just feels like the run around and this wouldnt have happened if all the transactions were properly reported on the very first claim the day prior.

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 2025-03-26 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year> i have got XXXX usd by western union transfer from XXXX to XXXX where I'm at XXXX XXXX  vacation. I have been in around XXXX banks in XXXX  and XXXX and each f then discriminated me by origin because I provided XXXX  passport, refused to provide me money and forced me to receive domestic social security number. I'm tourist in XXXX, why do I need local XXXX??? I was not able to pickup money, because I have XXXX  passport, transfer ID XXXX. 
I'd like to force western union to close all branches in XXXX for false promise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple unauthorized and duplicative hard inquiries appearing on my credit report.

I am asserting my consumer rights under 15 U.S. Code 1681b, which prohibits credit inquiries without a permissible purpose or my express consent. I only authorized XXXX inquiries : XXXX XXXX XXXXXX/XX/XXXX ( auto loan approval ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( credit card application ) All other inquiries listed below were NOT authorized, and I did not grant written, oral, or implied permission for these companies to access my credit report. I consider these to be either unauthorized or duplicative, and I demand they be blocked and permanently removed from my credit file immediately under 15 U.S. Code 1681c-2. 



Unauthorized and Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am giving you 4 business days to investigate and delete these inquiries, as required by law. Please send me written confirmation and an updated copy of my credit report reflecting the removal of these items. Failure to comply may result in further action and a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Sincerely, ngel 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 2025-03-26 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: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
These accounts has been disputed on my credit reports multiple times for account age.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I contacted the company via phone for contract with my wet signature and also validation of debt was not provide with it and also did not give this company permission to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
The collection account is inconsistently reporting on my credit bureau reports and their are also inaccurate interest fees. I was provided an electronically signed lease that I did NOT sign. At the time the leased was signed I had been living at another address for nearly XXXX  years. In addition I was also in the process of purchasing the home that I now reside in. I did not sign this lease and dispute all charges including the interest that has accrued from the collection agency. I have requested valid proof & I'm constantly forwarded the same fraudulent electronically signed lease. Please assist as this obviously affecting me negatively. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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: PA

Complaint narrative:
I am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I require your immediate assistance in addressing them.

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 2025-03-26 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 am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I require your immediate assistance in addressing them.

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 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
l just reviewed my consumer credit reports and noticed that there was an inaccurate accounts on my credit report from XXXX XXXX XXXX  opened on the XXXX of XX/XX/year> l have never opened any account l do not have a contract with the collection agency i c system Consumer reporting Agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy l contacted Experian and asked for them to investigate and removed the inaccurate account from my consumer report that they are illegally reporting and l reported specifically the alleged application bearing my signature They have not been able to provide such proof to me This is a violation of the fair credit reporting act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof This item as l can tell was bought by a third party debt collector [ XXXX XXXX XXXX ] This account must be deleted as the status is not correct

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately cease and desist from reporting inaccurate, unfair, or outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer credit laws.

I have recently reviewed my credit report and identified the following issues that I believe are in direct violation of my rights as a consumer : These inaccuracies are harming my credit score and adversely affecting my ability to obtain credit, housing, and other financial services. I have made reasonable efforts to dispute these entries through [ insert method, such as " the dispute process, '' " your online portal, '' etc. ], but they have not been addressed adequately or in compliance with the FCRA.

Under the FCRA, I am entitled to a fair and accurate credit report. Your failure to correct these errors violates my rights as a consumer. I am also concerned that these inaccuracies may be the result of negligence, miscommunication, or intentional disregard of my rights. 

This letter serves as a formal demand that you : Cease and desist from reporting any further inaccurate, outdated, or unfair information about my credit. 

Correct or delete the inaccuracies in question within 30 days as required by the FCRA. 

Provide written confirmation that these issues have been resolved and that my credit report has been updated accordingly. 

Please note that if this issue is not resolved within 30 days of the receipt of this letter, I will be forced to take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal action for damages caused by this violation. 

I expect to receive your response and confirmation of the corrections made no later than [ insert specific date, which should be 14 days from the letter date ]. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This a student loan debt that should be cleared based on the fair credit act. There are several marks made by this particular company on my credit report that are incorrect as far as the amounts owed. This company is unable to give me the original debt owed at this time. The amounts that are on my reports are incorrect and the date are not correct either and all inquires from this company should be removed for incorrect information reported that is damaging my score. This debt should be removed from all my credit profiles immediately. The company is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This a student loan debt that should be cleared based on the fair credit act. There are several marks made by this particular company on my credit report that are incorrect as far as the amounts owed. This company is unable to give me the original debt owed at this time. The amounts that are on my reports are incorrect and the date are not correct either and all inquires from this company should be removed for incorrect information reported that is damaging my score. This debt should be removed from all my credit profiles immediately. The company is 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 2025-03-26 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: IL

Complaint narrative:
This a student loan debt that should be cleared based on the fair credit act. There are several marks made by this particular company on my credit report that are incorrect as far as the amounts owed. This company is unable to give me the original debt owed at this time. The amounts that are on my reports are incorrect and the date are not correct either and all inquires from this company should be removed for incorrect information reported that is damaging my score. This debt should be removed from all my credit profiles immediately. The company is 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 2025-03-26 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: VA

Complaint narrative:
These accounts has been disputed on my credit reports multiple times for account age.

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 2025-03-26 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: VA

Complaint narrative:
These accounts has been disputed on my credit reports multiple times for account age.

Company response to consumer: Closed with explanation