vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am submitting this formal complaint to report a serious breach of my consumer and privacy rights by the U.S. Department of Education, which I believe involves an unauthorized disclosure of my federally held student loan information. 
Specifically, I have reason to believe that the Department disclosed personally identifiable information ( PII ) from my loan records including loan status, account data, or related financial information to an unauthorized third party, namely XXXX XXXX or an affiliated entity, without my consent. I did not authorize this disclosure, nor was I made aware of it in advance. 
This disclosure, if confirmed, constitutes a violation of my rights under federal privacy protections and may also fall under unfair, deceptive, or abusive acts or practices ( UDAAP ) as defined by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Additionally, this may also violate provisions of the Fair Credit Reporting Act ( FCRA ) and other laws that protect sensitive consumer financial data. 
As a result of this privacy breach and the inappropriate handling of my loan records, I am formally requesting the following : 1. That the CFPB investigate this complaint in coordination with the appropriate agencies, including the U.S. Department of Education. 
2. That I be provided with a detailed explanation of what data was shared, when, and to whom. 

This breach has caused me considerable concern regarding my financial privacy and the integrity of federal loan servicing. I trust the CFPB will take this matter seriously and take any enforcement actions warranted under its authority. 
Please let me know if any further information is needed to move forward with this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-28 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I have been banking with current bank for over 3 years, I have disputed three transactions in which under banking policy my dispute qualifies for a refund per bank policy, I provided my bank with an police report number, emails, and conversations between the third party and myself to prove my dispute is accurate and why it should be granted because I did not receive or use the serves I have paid for which happened to me on three occasions and have not been resolved and I have been denied credits until its resolved, my bank has allowed me to be scammed and even with sufficient evidence and proof my bank has denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

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 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 2025-04-28 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: FL

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 2025-04-28 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: IL

Complaint narrative:
XX/XX/XXXX I checked my Experian Credit Report. There is a credit card account for XXXX XXXX in the amount of {$9800.00}. The first 6 numbers are XXXX. A payment was made XX/XX/XXXX in the amount of {$98.00}. I did not make that payment. I called the phone number listed on the credit report on XX/XX/XXXX. The representative could not find an account in my name. He reported an investigation would be conducted and I would hear something in 30 days. He asked for all my pertinent information, which I provided. I asked for a reference number for the call. He said it was not necessary. After hanging up, I dreadfully realized I could have just subjected myself to further fraud. 
If this card is mine, it should have defaulted sometime ago and been closed. I wrote an investigation letter to XXXX on XX/XX/XXXX. 
Someone or some company is fraudulently keeping this card current. Im sure the card, if it was mine, did not have this high of balance and years of interest may have been applied. If this isnt my card and it is fraud then it needs to be closed.

Someone is making payments therefore there is fraud.

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 2025-04-28 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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

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 2025-04-28 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: CT

Complaint narrative:
I contacted TransUnion in regards to inquiries on my credit report that I did not authorize and asked them to remove them from my credit report.They stated they would 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Charged off as bad debt. Profit and loss write-off. 
I did not receive a 1099c form so I can write it off as well. 
If it is written off, why am I still being charged and why is it being reported every month as being late?

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Charged off as bad debt. Profit and loss write-off. 
I did not receive a 1099c form so I can write it off as well.

If it is written off, why am I still being charged and why is it being reported every month as being late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I asked him for proof of that. I asked him for the address that was connected with that debt the telephone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report ( Report Number : XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and to demand immediate correction. My dispute mirrors systemic issues outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( filed in 2023 ), where the CFPB alleged Equifax failed to properly investigate consumer disputes, used flawed automated systems, and retained demonstrably inaccurate information. Inaccurate Items Under Dispute : Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect account never late Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the CFPBs lawsuit, XXXX  failure to conduct reasonable investigations and reliance on automated systems to dismiss disputes without proper review violates the FCRA. Despite my prior disputes dated [ Insert dates of prior disputes ], Equifax has failed to correct these errors, which directly harms my creditworthiness and violates my rights under federal law. Immediately remove all inaccuracies listed above and provide me with an updated credit report. Disclose the method of investigation used to verify the disputed items, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Confirm in writing that the errors have been resolved and will not reappear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
The engine went out in the car. So therefore I couldnt afford to get the car fixed. I then had the financial company to come and get the car. Now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account XXXX XXXX XXXX  XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. XXXX XXXX XXXXXXXX is currently reporting XXXX as the original creditor ; however, I have never held an account with this company nor do I even know what XXXX  is. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my client opened a secured loan account with XXXX XXXX XXXXXXXX XXXX in the amount of {$530.00}, with a 12-month term. The loan was successfully paid in full in accordance with the agreed-upon terms, and the account was officially closed in XX/XX/XXXX. Despite this, the account has been inaccurately reported as potentially negative on my clients credit report, which violates industry standards for accurate credit reporting. This erroneous reporting has caused significant harm to my clients creditworthiness and financial reputation, undermining their ability to secure favorable credit terms and opportunities. 

On Saturday, XX/XX/XXXX, my client sent a formal written inquiry to XXXX XXXX XXXXXXXX XXXX, requesting an immediate explanation for this inaccurate reporting. They demanded that the necessary corrections be made, ensuring that the account is properly reflected as Paid, Closed with no negative or misleading remarks. To date, no response has been received, and the erroneous reporting remains unresolved. This ongoing failure to correct the account status not only violates my clients legal rights but also undermines the integrity of the credit reporting system itself. The banks failure to act promptly and appropriately is inflicting unnecessary harm on my clients financial well-being. 

I hereby demand that XXXX XXXX XXXXXXXX XXXX take immediate and decisive action to rectify this glaring error. Should this issue remain unresolved, my client will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities, and to pursue all available legal remedies. This will include, but not be limited to, seeking compensation for the damages resulting from this wrongful reporting. I expect a written confirmation of the resolution and an updated credit report reflecting the correct Paid, Closed status to be provided to my client no later than Saturday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
After speaking over 1 hour with customer service, I haven't gotten the answer of how can I file a W8, or if it's needed. As I'm a non-resident alien in the US as I don't need to pay taxes in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Subject : Formal Dispute and Request for Deletion of Unverifiable Information Under FCRA I am writing to formally dispute the continued reporting of inaccurate information related to a XXXX XXXX loan account on my credit report. Despite previous attempts to rectify this matter, the information remains, causing significant harm to my credit standing over the past two years.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item from the consumers file. Updating the information, rather than deleting it when it can not be verified, is not in compliance with the FCRA. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has clarified that companies must remove information from credit reports if they can not verify its accuracy after a consumer dispute. 


In light of these regulations, I request the following actions : Immediate Deletion : Remove the disputed XXXX XXXX loan account information from my credit report, as it can not be verified and has been inaccurately reported. 

Notification : Inform all consumer reporting agencies to which this information was provided about the deletion, ensuring that my credit profile is corrected across all platforms. 

Confirmation : Provide written confirmation of the deletion and the steps taken to correct this issue. 


Please consider this letter as a formal dispute under the FCRA. I have enclosed copies of relevant documents supporting my position. I expect a response within the 15 day period mandated by the FCRA. Failure to comply may compel me to seek legal remedies to protect my rights. 

Sincerely, 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