vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: NM

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX. XXXX v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account & XXXX XXXX 2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score.

You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NM

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX XXXX XXXX Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account & XXXX XXXX 2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score.

You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: WI

Complaint narrative:
I have experienced extremely long holding times with Comerica bank and have been cut off from my SSI money. That gets direct deposit onto One of there cards. Getting denied ever place I go trying to get money orders to pay for my bills, like my rent and my car payment. I can't buy food or pay for scripts or take my senior dog to the vet to get his XXXXXXXX XXXX  cuz it's failing and the vet won't release more medicine for him until this is done. I can't work cuz I have XXXX XXXX and XXXX XXXX XXXX  This is very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the handling of my credit report and to demand immediate corrective action due to the exposure of my personal information as a result of the Equifax data breach, which occurred in 2017. As you are aware, Equifax reported that sensitive personal data, including Social Security numbers, birthdates, addresses, and more, was compromised during this breach. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any credit reporting agency block any information on my credit report that has been the result of identity theft, including fraud that may have occurred due to this breach. The FCRA mandates that this information be promptly blocked from my credit report, and I demand that all affected accounts, fraudulent or otherwise, be immediately removed. 

To clarify my position : The data breach has exposed my personal information to unauthorized individuals, making it possible for fraudulent accounts and activities to appear on my credit report.

Section 605B of the FCRA specifically gives me the right to request the removal of any information that is a result of identity theft, including any fraudulent accounts or inquiries. The law is clear : if the information in question is a result of the Equifax breach, it must be blocked and removed from my report without delay. 

I expect immediate action to ensure that my credit report is thoroughly reviewed, and all fraudulent entries related to this breach are removed and blocked per the FCRA guidelines. 

I trust you understand the gravity of this situation and the significant risk it poses to my financial well-being. Your prompt compliance with my request is not only a matter of protecting my rights but also fulfilling your obligations under federal law. 

Please provide me with written confirmation that all relevant fraudulent information has been blocked and removed from my credit report, along with a detailed explanation of the steps you have taken to resolve this issue. 

Failure to promptly and adequately address this matter will leave me with no choice but to seek legal remedies, including the Federal Trade Commission ( FTC ), and pursuing any other available legal action under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX SYNCHRONY BANK BALANCE {$1200.00} This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.

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 2025-01-04 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: NY

Complaint narrative:
I filed an FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681immediately. Ive sent a request to for immediate removal on my credit report to all 3 credit bureaus.

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 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I requested information regarding what my payments would be after switching my payment plan from the XXXX plan to the XXXX ( XXXX XXXX ) plan in order to apply for a home mortgage. I needed this information quickly due to the closing date on our home. I was told repeatedly that the requested information would arrive via email and via mail and via fax within hours. I called once on XX/XX/XXXX and was told that I would receive an letter in the mail that was escalated. I never received the letter, as of XX/XX/XXXX. I called XXXX  times on XX/XX/XXXX and was explicitly told that I would receive an email within the hour and, if not, the next morning ( XX/XX/XXXX ). I was told on that same call that if I did not receive the email with the requested document that I should call back that evening or the next morning. I was also told that the representative had spoken multiple times with their supervisor and the issue had been escalated. The confidence of the person I spoke with on the phone made me relax so I didn't call back until the morning of XX/XX/XXXX. When I called that next morning, and XXXX other times during the day, since I did not receive the requested document in my email, I was told different things each time. I was told once that the email would be showing up in my inbox shortly ( within the hour ) and that I should just wait. I was told another time that I should be looking in my Aidvantage inbox for the document shortly before being disconnected while on hold. Another time I was speaking with a representative for a couple minutes before being hung up on. Another time I called I was told that I should never have been told that I could receive this document via email and that documents like this can only be sent via physical mail or via fax. This contradicted every previous call. I have now been told that I should wait for a fax to arrive monday ( XX/XX/XXXX ) with the requested document but I have no way to trust that this will actually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My SSN was compromised and as a result someone hacked my Experian member account. I have sent all documentation to prove my identity 2 months ago and have not received and update nor am I able to access my credit report. This individual also opened an Experian smart money account. I have sent several follow up emails with no response and it is nearly impossible to reach someone by phone. If youre lucky enough to somehow get through, they are not helpful and can not provide any information.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am pursuing loan forgiveness through PSLF. I have been at XXXX out of XXXX necessary payments since XXXX of XXXX. I submitted a buy back reconsideration in on XX/XX/XXXX to pay XXXX eligible months from XXXX of which I should have up to XXXX that are eligible. I did not receive a buy back offer until XX/XX/XXXX and it showed that only XXXX of my XXXX loans were eligible for buy back when I strongly believe that all should qualify. I contacted customer service who said to reply to my offer email, which I did and included documentation that showed all of my loans should qualify. I did not receive any communication back. I was also told to submit a complaint, which I also did but have not received any communication back. I also submitted another reconsideration request and was sent the same, incorrect offer the next day so I submitted another reconsideration request after speaking with 4 other customer service representatives.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/25 - found on current statement that XXXX paper statement fee was charged. Checked the previous statements, I was charged XXXX XXXX dollars from XXXX, XXXX, XXXX, and XXXX. 

Called the customer service to inquire when was the consent retrieved regarding this fee. To their record they did not ask for the consent and have failed to inform the customer properly. 

The manager said we do not need to ask nor receive consent as to how much fee we charge to customers. Manager said that the company does not need my agreement to charge any fees to the credit card. Manager declined to refund all XXXX charges that were never fully disclosed to the customer. 

This is fraud and very concerning attitude coming from a manager from a company who withholds my credit card and financial information. When brought this concern to the manager and asked to remove my financial information from that company by cancelling this fraudulent credit card, the manager threatened and said I will never be able to open this credit card again and also denied my rewards that Ive rightfully earned through their promised rewards program.

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 2025-01-04 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

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 2025-01-03 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief