vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Date : [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Aidvantage and Request for Investigation and Relief Dear CFPB Officer, I am filing this formal complaint against Aidvantage, the student loan servicer for the U.S. Department of Education, regarding their mishandling of my personal and financial information, resulting in violations of federal laws and my consumer rights.

Recently, credible reports have surfaced confirming that the Department of Education and associated third parties, including organizations tied to XXXX XXXX, engaged in breaches involving unauthorized access to and sharing of borrower data. These actions constitute violations of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the protection of student educational and financial records.

Given the severity of this breach : My private financial data has been compromised.

The ongoing servicing and reporting of my student loan debts are based on unlawfully mishandled information.

Aidvantage has failed to take corrective action despite notification. I respectfully request that the CFPB investigate this matter and that appropriate enforce
ment actions be taken. Specifically, I am requesting : Immediate discharge and forgiveness of my student loan debt serviced by Aidvantage.

Immediate deletion of any student loan tradelines from all consumer credit reports ( Equifax, Experian, and TransUnion ).

Written confirmation that all adverse records related to this debt are permanently removed.

Imposition of penalties and sanctions if violations of FERPA, the Fair Credit Reporting Act ( FCRA ), or other consumer protection laws are found.

Attached is a copy of my cease and desist notice and prior communications with Aidvantage for your review. 

Thank you for your attention to this serious matter. I trust that the CFPB will act swiftly to protect my rights as a consumer and citizen. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I have reviewed my credit profile, and I am verifying that these negative accounts are not mine. under united states cXXXXe XXXX consumer right to privacy. you are reporting fraudulent accounts that are not mine which is infringement to my privacy. FCRA cXXXXe XXXX clearly states that accompany or person has to have legitimate reason ( permissible purpose ) to access my credit report. that is a violation, and I have grounds to sue for damages. I deem that these negative accounts are inaccurate, and I DO NOT WISH TO HAVE THEM ON MY CREDIT REPORT.

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 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
For credit acceptance account was closed and was to be removed. Account was settled XXXX  XXXX  will not go away. Account has been settled and closed and XXXX XXXX also.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo failed to detect or alert us to a duplicate {$1500.00} mortgage payment initiated in error by our mortgage company ( XXXX XXXX ), resulting in an overdraft. Instead of investigating, Wells Fargo attempted to recover the funds by debiting my husbands entire paycheck, leaving our family of XXXX with no money for basic needs. When we withdrew remaining funds in cash to survive, Wells Fargo continued to charge my husbands personal line of credit to our overdrawn joint accountwrongfully linking me ( his wife ) to a debt I never signed for. Despite repeated calls, no resolution was offered. I am requesting the removal of my name from the joint account, confirmation that I am not liable for the line of credit, and protection of my credit report.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on my previous complaint regarding discrepancies in my credit report. I discovered inaccurate information. Under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( XXXX  ), the XXXX major credit bureaus are required to validate disputed accounts. 
It is not permissible for these accounts to remain unverified without providing the required proof within the legally mandated timeframe. I am requesting that the following erroneous information be thoroughly investigated and corrected : XXXX XXXX Account Balance : {$31000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After applying to Bank of America ( BOA ) for a HELOC [ Home Equity Line of Credit for {$50000.00} ], and being told my property value would be done with a desktop, I was caught by surprise, when on XXXX XX/XX/year>, I received a phone call from an appraiser, named XXXX XXXXXXXX XXXX XXXX ], for a Full appraisal of my property. Which I refused on XXXX XX/XX/year>, without assurances the bank doesn't pull any funny business, like : we'll approve the loan when the finish work is completed. This full appraisal blindsided and concerned me, about what the banks intent-position on that request was, given the banks own web site gives a value of my property at [ Bank of America Real Estate Center value : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$400000.00} ) ], even though the description is incorrectly stated. 
On XXXX XX/XX/year>, after speaking with the BOA agent, it was never disclosed they wanted a full appraisal, which could take from 1-3 weeks to complete. Ordinarily, I would not take a pre-emptive position on this, but it was made abundantly clear, at the time of application, the money would be used to complete minor repairs to my property. 
The Deed Office Value at {$220000.00}. with my mortgage balance of {$94000.00} after a recast of {$92000.00}. +/- with a {$50.00} HELOC is {$140000.00}. which leaves equity of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$79000.00} ). More than enough to substantiate approval and satisfying the banks, LTV.

If we use the BOA value of {$400000.00}, under the same conditions - LTV equity is unquestionable. {$94000.00} after a recast of {$92000.00}. +/- with a {$50.00} HELOC is {$140000.00}. The amount of equity available is an astounding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250000.00} ) The Deed Office Value at {$220000.00} XXXX with my mortgage balance of {$94000.00} after a recast of {$92000.00}. +/- with a {$50.00} HELOC is {$140000.00}. which leaves equity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$79000.00} ). More than enough to substantiate approval and satisfying the banks, LTV. 

As of XXXX XX/XX/year>, I was notified by phone with an agent for BOA, XXXX XXXX XXXX # XXXX, relaying the denial of my HELOC loan for TWO ( 2 ) reasons, income and property condition. [ also, on XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called specifying the undetermined value of the aforementioned property, due to the roof leaking ... which is dishonest. The roof never leaked ]. 
The debt to income ratio, by the banks own standard ( s ) is acceptable. As is the LTV [ loan to value ratio ]. 
My age is the underlying issue. Discrimination, plain and simple.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank on XX/XX/year>, on or about XXXX pm XXXX. I called the credit card department. I called Citibank from my phone number ( XXXX ) XXXX. I spoke XXXX  a supervisor by the name of XXXX. He indicated he was in Florida. I said the reason for the call is XXXX  waive a late fee from my XXXX billing dates. I informed him I spoke XXXX  an agent in XXXX who said he would waive the late fees XXXX notated my account, however, it was too early because the late fees havent been accessed yet, XXXX XXXX call back on Friday. XXXX said he doesnt see those notes. I asked XXXX XXXX  submit a complaint on my end because customers should not be told XXXX different things. XXXX showed no empathy or sympathy. XXXX refused XXXX file my complaint. XXXX he refused XXXX find a resolution when I was told false information from an agent. I told XXXX I would file a complaint for his perfunctory behavior with the : BBB, CFPB, XXXX, and XXXX, and he actually encouraged me XXXX  do so then he disconnected the phone while I was speaking. XXXX was unprofessional. I seek XXXX hold XXXX accountable. In addition, I never used profanity or made threats.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$400.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. * * Accounts in Question : * * XXXX XXXX XXXX XXXXXXXX Account # XXXX, {$1600.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, {$3200.00} XXXX OF XXXX XXXX Account XXXX XXXX, {$4600.00} * * Personal Information : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX 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