vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 2025-05-04 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: NH

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I have contacted the credit agencies multiple times regarding inaccurate information on XXXX XXXX XXXX XXXX XXXX. The credit agencies failed to conduct investigations because the same inaccurate and unverifiable information remains on my credit report. I request that these accounts be deleted immediately due to multiple FCRA violations. 

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 2025-05-04 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: TX

Complaint narrative:
I have contacted the credit agencies multiple times regarding inaccurate information on XXXX XXXX XXXX XXXX XXXX. The credit agencies failed to conduct investigations because the same inaccurate and unverifiable information remains on my credit report. I request that these accounts be deleted immediately due to multiple FCRA violations. 

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I accidentally entered the incorrect Social Security Number. Experian and Equafax verified incorrectly updated and reinserted the XXXX XXXX onto my credit file. The incorrect Social Security Number was XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. My former address is XXXX XXXX XXXX  XXXX NV XXXX. My social XXXX. Experian did an investigation report number XXXX for XX/XX/2024. Equafax report number is # XXXX they both reinserted incorrect information. I can't load the documents. XXXX for documents.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/scrub> 2025, I noticed unauthorized changes to my credit report connected to an account listed under XXXXXXXX XXXX ( Account Number : XXXX ). Upon further investigation, I confirmed that these changes were made without my knowledge or consent, and they directly violate my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of my educational records, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and use of credit reporting data. 

I did not authorize any access to this account, nor did I provide consent for any third-party entity to make inquiries, changes, or updates to this account. The unauthorized use of my personally identifiable information ( PII ) began in XX/XX/year>2025, and the discrepancies became apparent to me in XXXX 2025. These actions are unlawful under both FERPA and FCRA, which protect against unauthorized access and misuse of personal and educational information. 

On XX/XX/year>2025, I formally requested documentation from XXXXXXXX XXXX regarding this account, including a record of all activities, access logs, and authorization details. To date, I have not received a complete or satisfactory response, which further compounds the violation. 

I am demanding an immediate and thorough investigation into this matter. I request that Account XXXX : XXXX be corrected to reflect Paid as Agreed or be completely removed from my credit file due to the breach of my educational and financial data. If these actions are not taken promptly, I will be forced to escalate this matter and seek legal recourse under 15 U.S. Code 1681n for willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/scrub> 2025, I noticed unauthorized changes to my credit report connected to an account listed under XXXXXXXX XXXX ( Account Number : XXXX ). Upon further investigation, I confirmed that these changes were made without my knowledge or consent, and they directly violate my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of my educational records, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and use of credit reporting data. 

I did not authorize any access to this account, nor did I provide consent for any third-party entity to make inquiries, changes, or updates to this account. The unauthorized use of my personally identifiable information ( PII ) began in XX/XX/year>2025, and the discrepancies became apparent to me in XXXX 2025. These actions are unlawful under both FERPA and FCRA, which protect against unauthorized access and misuse of personal and educational information. 

On XX/XX/year>2025, I formally requested documentation from XXXXXXXX XXXX regarding this account, including a record of all activities, access logs, and authorization details. To date, I have not received a complete or satisfactory response, which further compounds the violation. 

I am demanding an immediate and thorough investigation into this matter. I request that Account XXXX : XXXX be corrected to reflect Paid as Agreed or be completely removed from my credit file due to the breach of my educational and financial data. If these actions are not taken promptly, I will be forced to escalate this matter and seek legal recourse under 15 U.S. Code 1681n for willful noncompliance with the FCRA.

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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My federal loan record shows a XXXX XXXX loan disbursed in XXXX to XXXX XXXX XXXX years before I enrolled at the XXXX XXXX XXXX Colorado. I never attended XXXX. This misassigned loan was later consolidated into FFELP and Direct Loans, and likely repaid under false attribution. 

I opened multiple Aidvantage cases and FSA complaints requesting an audit and refund investigation. All were denied without audit. The XXXX Ombudsman also closed the case despite factual discrepancies. 

A XXXX payment history view ( showing {$0.00} balances ) vanished from XXXX after the XXXX servicer transfer. No XXXX payment history is now visible. A FOIA request ( XXXX ) is pending. 

Im requesting an investigation into erroneous loan attribution, servicing failures, and removal of the XXXX loan. Documentation submitted includes denial letters, enrollment proof, NSLDS breakdown, and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX the XXXX located at XXXX XXXX Pennsylvania XXXX XXXX called me and left a recorded voicemail stating that if I create a new account with them the old account will be considered as debt paid. I came and created a new account and he informed me that the collection would be reported as paid. Now on XX/XX/XXXX I look and a debt collection company has showed up on my credit report for a debt that I was told be be reported as paid. This is employee misconduct and misleading trying to get me to get a new membership with the false advertisement a debt will be removed. I have provided a screenshot of the saved voicemail I kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/XXXX emailed, per their instructions, drivers license and death certificate. Never received confirmation email or pending case number. Called XX/XX/XXXX to check in, was told the case is being processed and to wait for a call. Emailed XX/XX/XXXX letter of testimentary as extra support. Called XX/XX/XXXX and was told no one ever marked my love one as deceased, created a ticket, was told it would be maximum 48 hours to call me and resolve situation. Never received a call. Called again XX/XX/XXXX and was the person who created the ticket would call me back in 20 minutes, they never called. 

I just want the account closed, the check mailed to me, and the documents ( date of death balance, confirmation of closure of account, statement from date of death to account closure ). I will never work with Barclay ever again. No one should have to navigate this when mourning the loss of a loved one.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Inaccurate info regarding forbearance .. with Sallie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A pivotal and critical concern about our property is why under the assignment of BofA XXXX XXXX XXXXXXXX XXXX XXXX how did a CPN become an entity of exchange for a stock market single piece of real estate or was it bundled As mentioned in my previous concerns, " CPN '' in this context almost certainly refers to a Credit Privacy Number or Credit Profile Number, which is a nine-digit number marketed as an alternative to a Social Security Number ( SSN ) .We have come to know that this is a major red flag if a real estate transaction in this case involves the use of a CPN. Here 's why it's not a legitimate way to sell or purchase property : and can be Illegal and Fraudulent : Using a CPN in place of an SSN for financial transactions, including real estate, is illegal and can be considered fraud and identity theft. Legitimate real estate transactions require proper identification using valid government-issued IDs and rely on established financial instruments. 
Hiding Credit Issues : The primary purpose of using a CPN is often to hide a credit history. Sellers or buyers suggesting this might be trying to deceive the other party or financial institutions. 
Risk of Scams : Properties advertised or sold using " CPN '' could be part of larger fraudulent schemes involving identity theft, mortgage fraud, or other illegal activities.If this Property was bundled with other real estate purchases this has to be a bundle Therefore, if we encounter a real estate property being sold or discussed using the term " CPN, '' then we should : Be extremely cautious. It is highly likely to be an illegitimate or fraudulent situation. We were told that one should Avoid any involvement. 
Report it to the appropriate authorities immediately, such as local law enforcement or real estate regulatory agencies. 
Legitimate real estate transactions always involve transparent and legal processes with proper identification and financing. The use of a " CPN '' is a significant warning sign of potential illegal activity. 
It's possible that " this CPN is a big fallout issue overall of WHY XXXX Heirs were on Our Property. However, without further context, the strong association of " CPN '' with fraudulent credit activities makes it highly suspect in a real estate context.The unanswered Question Waiting for the information asking for the answer from QWR.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE FINANCIAL SERVI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Vehicle reposession Date Closed XX/XX/XXXX Westlake Financial continues to report a balance of {$19000.00} on my credit report, even though this account has been charged off. The most recent update to my credit file was made on XX/XX/XXXX. A charge-off typically indicates that the creditor has written the account off as a loss and removed it from their active books. Continuing to report a balance under these circumstances appears to be inaccurate. I am requesting that this account be deleted from all three credit bureaus due to its charged-off status and inaccurate ongoing reporting.

Company response to consumer: Closed with explanation