vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
To Whom it May Concern, I am formally disputing the legitimacy of my student loan obligations with Advantage due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act ( HEA ). Based on these violations, I demand the immediate cancellation of all financial obligations related to these debts.

Legal Violations Supporting My Demand for Cancellation 1. FERPA Violations : My personal and financial information may have been disclosed without my consent to unauthorized third parties, violating my privacy rights.

Inaccurate or misleading loan records may have been maintained, and I was not given proper access to review and correct them.

2. Privacy Act of 1974 Violations : If my loan records were mishandled by the Department of Education or Advantage, it constitutes a violation of federal data protection laws.

If my Social Security Number or other personal information was shared without my authorization, my rights under the Privacy Act were infringed.

3. Higher Education Act Violations : If I was misled about loan terms, repayment obligations, or forgiveness options, it constitutes a violation under HEA.

If my school improperly certified my eligibility for loans or engaged in fraudulent practices, I should not be held responsible for this debt.

Additionally, it has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreement under federal law.

Demands for Resolution Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Advantage-related entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days of receipt of this letter.

Failure to comply with this request will result in formal complaints being filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I expect a written response within the stipulated time frame and immediate corrective action regarding these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I changed my paycheck direct deposit to Chase Bank in XX/XX/year>. On XX/XX/XXXX my paycheck was deposited by my employer in my Chase Checking Account. On XX/XX/XXXX, Chase froze my account and funds without telling me. When I called them to inquire they said my paycheck had triggered an internal investigation and they had decided to close it. As of XX/XX/XXXX, they haven't finalized the closing nor have they given me a date I can expect my paycheck to be returned to me. The best they can do after 10 days is to say that they're in the process of closing the account and it should be done in 7-10 days. After that the closing department will mail a cashier 's check. It's difficult to pay your mortgage and other associated bills when your bank won't let you have access to your funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX ), ( 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 Bureau 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 XXXX  XXXX {$5800.00} XXXX XXXX {$530.00} XXXX {$32000.00} XXXX {$4700.00} XXXX {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX ), ( 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 Bureau 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 XXXX  XXXX {$5800.00} XXXX XXXX {$530.00} XXXX {$32000.00} XXXX {$4700.00} XXXX {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Subject : Request for Validation and Deletion of Inaccurate Information Dear XXXX I am writing to formally dispute the accuracy of certain information contained in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ). I request full validation of all negative accounts listed, as I believe they are either inaccurate or unverifiable. 
Please find the details of my request below : 1. **Validation of Negative Accounts : ** I request that you provide documentation that verifies the legitimacy of each negative account associated with my credit profile. If you are unable to provide this information, I ask that you delete these accounts from my report as mandated under Section 609 of the FCRA.

2. **Deletion of Previous Personal Information : ** Additionally, I request the removal of all previous names, addresses, employment information, and phone numbers associated with my credit file. This information is outdated and could lead to potential errors or misidentification.

3. **Deletion of Hard Inquiries : ** Furthermore, I ask you to remove all hard inquiries listed on my credit report, as they were made in connection with attempted fraud. Under Section 604 of the FCRA, I have the right to dispute inquiries related to fraudulent activity, and I urge you to investigate these claims thoroughly. 
I appreciate your prompt attention to these matters and expect to hear from you within the stipulated 30 days as required by law. Please provide me with written confirmation of your action in response to my requests. 
Thank you for your cooperation. 

Carpe diem, 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 2025-02-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION 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. 




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : 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 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 2025-02-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION 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. 




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : 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 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to file a formal complaint against Discover regarding their failure to provide me with a 1099-C form for a debt that they charged off. Despite my repeated requests, Discover has refused to provide me with the necessary tax document for the account they reported as charged off on XX/XX/year>. This failure to issue the required 1099-C form is hindering my ability to properly address my tax obligations and comply with IRS regulations concerning canceled debts. 

Additionally, Discover continues to inaccurately report my account as late on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605. This inaccurate reporting is misleading and damaging to my credit, as it misrepresents the actual status of my account after the charge-off. 

I have made numerous attempts to resolve this issue directly with Discover, but they have failed to provide the necessary documentation or correct the errors in their reporting. As such, I am seeking your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
subject : Urgent Complaint Regarding Unresolved Billing and Payment Dispute for Tempur-Pedic Mattress Purchase Dear Recipient, I am writing to formally file a complaint regarding the unresolved billing and payment issues with my XXXX XXXX XXXXXXXX purchase from Mattress Firm, made in 2022. At the time of purchase, I had a great credit score and followed the advice of a XXXX XXXX customer service representative to set up automatic monthly payments in order to pay off the balance within the XXXX promotional period and avoid deferred interest charges. 

After receiving my bill, I promptly set up the automatic payments, believing I was adhering to the agreement. However, after 24 months, I received a notice indicating that my balance had increased. While I was expecting to have approximately {$900.00} remaining, I was shocked to learn that I still owed over {$3900.00}. I immediately contacted customer service, but despite my efforts to resolve the issue, the representative was unhelpful and unwilling to find a fair resolution. 

As a result, this bill has now been sent to collections, and I am facing significant personal and professional consequences. I am currently serving in the XXXX XXXX as a Private First Class, and I have been notified that my position XXXX be in jeopardy if this credit issue is not resolved promptly. Given my limited pay and existing financial obligations, this situation is placing an enormous strain on my ability to secure my position in the military. 

I respectfully request that your office investigate this matter and help facilitate a resolution. I am seeking a correction of my account balance to reflect the original terms I was promised, and assistance in ensuring that this issue does not further affect my military career and financial stability. 

Thank you for your attention to this matter. I am in urgent need of assistance, and I look forward to your prompt response and support in resolving this issue. 

Sincerely, XXXX, XXXX CELL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 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 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 2025-02-11 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: SC

Complaint narrative:
I applied for a loan modification with XXXX XXXX in XX/XX/2023 after being XX/XX/2023 Throughout this process, I was repeatedly assured that I did not need to make my monthly loan payments, as the modification approval would bring my account current with no late fees or penalties. 

However, the process was significantly delayed, and communication was minimal. Despite my repeated emails requesting updates, I was passed from representative to representative, receiving little to no support. Each time, I expressed my concerns about potential credit damage due to the missed paymentspayments I was explicitly told not to make. I was repeatedly reassured that these would not be reported to collections. 

Despite these assurances, my loan was reported to collections, resulting in a severe negative impact on my credit score, which dropped nearly XXXX points. As soon as I became aware of this, I took immediate action and paid nearly {$3000.00} to bring my account current. Since then, I have made every payment on time, yet my credit report has not recovered. 

I am requesting immediate assistance in resolving this matter. Given that I followed the instructions provided by XXXX XXXX in good faith, I ask that you work to remove this negative mark from my credit report. Please let me know what steps can be taken to correct this situation as soon as possible. 

I appreciate your prompt attention and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
I applied for a loan modification with XXXX XXXX in XX/XX/2023 after being XX/XX/2023 Throughout this process, I was repeatedly assured that I did not need to make my monthly loan payments, as the modification approval would bring my account current with no late fees or penalties. 

However, the process was significantly delayed, and communication was minimal. Despite my repeated emails requesting updates, I was passed from representative to representative, receiving little to no support. Each time, I expressed my concerns about potential credit damage due to the missed paymentspayments I was explicitly told not to make. I was repeatedly reassured that these would not be reported to collections. 

Despite these assurances, my loan was reported to collections, resulting in a severe negative impact on my credit score, which dropped nearly XXXX points. As soon as I became aware of this, I took immediate action and paid nearly {$3000.00} to bring my account current. Since then, I have made every payment on time, yet my credit report has not recovered. 

I am requesting immediate assistance in resolving this matter. Given that I followed the instructions provided by XXXX XXXX in good faith, I ask that you work to remove this negative mark from my credit report. Please let me know what steps can be taken to correct this situation as soon as possible. 

I appreciate your prompt attention and look forward to your response.

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