vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-18 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible 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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX XXXX for improper debt collection and potential billing fraud. 

XXXX sent my account to collections while I was still receiving services. 

I recently contacted XXXX and was told that my account no longer exists in their system and that it was transferred to XXXX XXXX. 
However, my XXXX XXXX are still active, and I continue to receive system notifications. 
XXXX never properly terminated my contract. 

If my account was legally sent to collections, my services should have been canceled. 
Instead, XXXX is still allowing me to use my security system without an active account on file. 
XXXX XXXX is attempting to collect a debt without proper validation. 

I disputed the debt, but they have not provided proof of its validity or their legal right to collect. 
I never received a formal mailed notice of this debt, only emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breech after reviewing my credit reports. i notice some unfamiliar with. I have ask the CRA for validation of debt, however the information has not been provided due to my information being exposed. i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, copy of the XXXX data breech and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breech after reviewing my credit reports. i notice some unfamiliar with. I have ask the CRA for validation of debt, however the information has not been provided due to my information being exposed. i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, copy of the XXXX data breech and a validation of debt letter.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Regarding Student Loan Breach and XXXX Violations Dear CFPB, I am filing a formal complaint regarding my student loan provider and the XXXX XXXX XXXX XXXX XXXXXXXX alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( XXXX ), XXXX XXXX. XXXX. According to an article published by The XXXX XXXX on XX/XX/2025, my student loan information XXXX have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws.

Please contact me at [ Your Phone Number ] or [ Your Email Address ] for further information or documentation. I trust that the CFPB will take appropriate action to address this serious matter. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: NC

Complaint narrative:
Student loan dispute 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 Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Loan Servicer or Department of Education, I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted alleged loans eligibility, terms, or disbursement. Under FERPA I have the right to privacy and accurate record keeping regarding my educational history. 


Upon reviewing records, I have identified discrepancies/ misuse, identity theft/misuse of my educational information, including but not limited to : all credit accounts showing in XX/XX/XXXX all accounts up to date and updated for XX/XX/XXXX. Accounts wrongly show 90 day delinquent which is inaccurate. All accounts are showing unpaid/balance which is incorrect and fraudulent. XXXX and XXXX have both been servicers of the XXXX XXXX XXXX XXXX. These incorrect and unauthorized RELEASE OF EDUCATIONAL RECORDS, unpaid balances/postings loan disbursements are all FRAUDULENT according to XXXX regulations and consumer protection laws. This has affected my credit scores negatively in a huge way and impacted me due to denial of credit and has left me in a financial deficit.

1. ) I request a FULL review of these student loan records, removal of all errors caused by improper record-keeping, and data misuse.

2. ) A correction or deletion of accounts, amounts and balances.

3. ) Proper written confirmation of the finds with authorized documentation/verified in detail within 30 days.

CFPB/FTC complaints are also notified by complaint of this misconduct. Also filing 1099 's with the IRS. 


Best Regards 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 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: NC

Complaint narrative:
Student loan dispute 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 Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Loan Servicer or Department of Education, I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted alleged loans eligibility, terms, or disbursement. Under FERPA I have the right to privacy and accurate record keeping regarding my educational history. 


Upon reviewing records, I have identified discrepancies/ misuse, identity theft/misuse of my educational information, including but not limited to : all credit accounts showing in XX/XX/XXXX all accounts up to date and updated for XX/XX/XXXX. Accounts wrongly show 90 day delinquent which is inaccurate. All accounts are showing unpaid/balance which is incorrect and fraudulent. XXXX and XXXX have both been servicers of the XXXXXXXX XXXX XXXX XXXX. These incorrect and unauthorized RELEASE OF EDUCATIONAL RECORDS, unpaid balances/postings loan disbursements are all FRAUDULENT according to FERPA regulations and consumer protection laws. This has affected my credit scores negatively in a huge way and impacted me due to denial of credit and has left me in a financial deficit.

1. ) I request a FULL review of these student loan records, removal of all errors caused by improper record-keeping, and data misuse.

2. ) A correction or deletion of accounts, amounts and balances.

3. ) Proper written confirmation of the finds with authorized documentation/verified in detail within 30 days.

CFPB/FTC complaints are also notified by complaint of this misconduct. Also filing 1099 's with the IRS. 


Best Regards 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 2025-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Student loan dispute XXXXXXXX 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 Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Loan Servicer or Department of Education, I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted alleged loans eligibility, terms, or disbursement. Under FERPA I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing records, I have identified discrepancies/ misuse, identity theft/misuse of my educational information, including but not limited to : all credit accounts showing in XX/XX/XXXX all accounts up to date and updated for XX/XX/XXXX. Accounts wrongly show 90 day delinquent which is inaccurate. All accounts are showing unpaid/balance which is incorrect and fraudulent. XXXX and XXXX have both been servicers of the XXXX XXXX XXXX XXXXXXXX. These incorrect and unauthorized RELEASE OF EDUCATIONAL RECORDS, unpaid balances/postings loan disbursements are all FRAUDULENT according to FERPA regulations and consumer protection laws. This has affected my credit scores negatively in a huge way and impacted me due to denial of credit and has left me in a financial deficit.

1. ) I request a FULL review of these student loan records, removal of all errors caused by improper record-keeping, and data misuse.

2. ) A correction or deletion of accounts, amounts and balances.

3. ) Proper written confirmation of the finds with authorized documentation/verified in detail within 30 days.

CFPB/FTC complaints are also notified by complaint of this misconduct. Also filing 1099 's with the IRS. 


Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NE

Complaint narrative:
I took out a small {$700.00} loan in XX/XX/year> due to an emergency. I have been paying {$170.00} bi-weekly and those payments are not even covering interest. My total due is now more than the amount I initially took out back in XXXX. I have paid back nearly {$1900.00} and the amount due continues to grow rather than decrease. As a result, this loan will never be paid off. 

This company took advantage of me and was not clear as to the interest being assessed and how it would impact the payoff of the loan. They also refuse to let me update my bank account with them unless I call and do a 3-way call with them but they never answer their calls.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-18 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Giving XXXX and XXXX XXXX access to my personal information is violating my personal rights.

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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Giving XXXX and XXXX XXXX access to my personal information is violating my personal rights.

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

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These companies have charged off my account, have turned my account over to a collection agency, but still show an outstanding balance that theyve taken a tax deduction for. Ive asked them to update my file to reflect the the fact that they got the credit. My credit file illegally reflects the balance with them and the collection agency.

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 2025-03-18 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: FL

Complaint narrative:
These companies have charged off my account, have turned my account over to a collection agency, but still show an outstanding balance that theyve taken a tax deduction for. Ive asked them to update my file to reflect the the fact that they got the credit. My credit file illegally reflects the balance with them and the collection agency.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Approximately 4 years ago during the covid epidemic my account was debanked and chase said that they did not have to provide any answer as to why. I called back XXXX ( XXXX office ) twice. Once was a year ago and then again today XX/XX/scrub>XXXX XXXX XXXX 
Today I spoke with XXXX of their XXXX XXXXXXXX and provided her with the reference number XXXX. She informed me that the matter was closed. 

JP Morgan Chase is the largest bank in the XXXX and spans services ranging from basic banking to airport lounges. Things were difficult enough around that time and it was a struggle to open new accounts and make transfers. No compensation was made for the over {$1.00} XXXX XXXX XXXX  that I had obtained during my years of using the chase credit card. Nobody would answer the phones and few branches were open in Alabama. Furthermore I had lost a child, my son XXXX, before they debanked me. I believe that their action was solely due to my affiliation with the XXXX XXXX. I was a councilman and also a relatively large contributor.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief