vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX  Date : XXXX/XXXX/25

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 2025-06-16 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: TX

Complaint narrative:
I am filing a complaint against XXXX  due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by XXXX I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
This complaint is being filed due to Equifax 's ongoing failure to remove multiple inaccurate and unverifiable accounts from my credit report, despite repeated disputes. This is now the fifth time I have formally submitted a dispute regarding these accounts, and this will be my final attempt before seeking monetary relief and pursuing legal action. 

I have a complete paper trail showing my efforts to correct this information. The following accounts remain improperly listed and have either been denied, ignored, or inaccurately verified by Equifax : XXXX XXXX XXXX false and misleading information in violation of 15 USC 1681. 

XXXX XXXX XXXX confirmed they have no record of this account. Yet Equifax continues to report it. 

XXXX XXXX XXXXXXXX also confirmed no record of this account. 

XXXX XXXX XXXX This is not my account and reports inconsistent data. TransUnion has already deleted it. 

XXXX XXXX This account was settled in full, and no 1099-C was issued. Continuing to report this as a charge-off is inaccurate and misleading. 

XXXX Erroneous reporting ; no documentation has ever been provided to verify or correct the inaccuracies. 

Each of these items violates the Fair Credit Reporting Act ( FCRA ) particularly 607 ( b ) ( failure to ensure maximum possible accuracy ) and 1681i ( a ) ( failure to properly investigate disputed information within the required timeframe ).

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 2025-06-16 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: CO

Complaint narrative:
I am submitting this complaint regarding Aidvantage ( Maximus Federal Services ), my federal student loan servicer, and how they have handled loans obtained through a predatory, now-defunct institution the XXXXXXXX XXXX XXXXXXXX XXXX XXXX I have submitted a XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) application based on misrepresentation and fraud by the school. 

Aidvantage recently confirmed that they received notification of my XXXX application and placed my loans in forbearance. However, that action came only after years of servicing these loans, with interest accruing and no acknowledgment of the fraudulent nature of the degree or my eligibility for discharge. The financial and emotional harm caused by this prolonged period has been significant. 

XXXX XXXX XXXX XXXXXXXX XXXX misrepresented its XXXX  XXXX  program by claiming it would prepare me for licensure. I was directly told by a school representative that the program would lead to licensure which was not true. In fact, the program did not meet licensure requirements in any U.S. state. I incurred federal debt for a degree that can not be used professionally. The school eventually closed and merged with XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXXXXXX ), both of which have been investigated for deceptive practices. 

I was not aware until recently that I had any recourse for these loans. Like many other students, I trusted the institution and believed I had no choice but to repay the debt. It wasnt until learning about the XXXX XXXXXXXX XXXX XXXX process that I understood I had grounds to apply for discharge. 

While I appreciate that Aidvantage has now placed my loans into forbearance, this is only a temporary pause. These loans should be fully discharged, and XXXX XXXX XXXX XXXX has failed to resolve this in a timely and transparent way. I am turning to the CFPB for oversight. Aidvantage has been servicing these loans for a degree obtained through fraud, and the harm continues until my case is resolved. 

I request that the CFPB investigate the servicing and communications by Aidvantage, ensure that no interest or penalties continue to accrue, and support the full discharge of my loans based on the fraud and misrepresentation I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Recently, I was in communication with this debt collector, and I provided documents that my identity was stolen in the asked me to provide additional document so they can do their internal investigation. My identity was stolen, and my drivers license and Social Security information was stolen from me as well, someone use my information to open up an apartment and other things that have reported with credit bureaus.

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 2025-06-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/year>, I received a phone call from a man who identified himself as XXXX XXXX with Wells Fargo Fraud Department. He provided me with his name, contact information ( XXXX, XXXX. XXXX ). Badge number XXXX. He proceeds to tell me my account has been flagged by fraud protection because someone was trying to use my card at 3 different locations in XXXX. I said they were not mine. He also informed me of an issue at the branch I had gone to a few weeks prior. ( XXXX XXXX ). Apparently, a teller was arrested for selling customer information and my information was sole. He went on to tell me of a major internal investigation involving unknown tellers and managers throughout DC. They didnt know who all was involved. He was helping me protect my money by opening up a new account for me and having me move my money into that account through the atm which I did in a total of {$17000.00}. He issued me a bank account and ATM card. The new account and ATM card issued are fake. 
I believe this person works for the bank. He had access to my account. I made him verify what he was seeing on the screen to prove to me who he was. He had knowledge of the banking procedures, atm locations, etc. He was able to issue me a Wells Fargo ATM card. I really believe this was an inside job. A very skillful and thought-out scam. He definitely has inside knowledge. I really believed he was a representative of the Fraud Department as he indicated. There is no way I would have taken all of my money out of the account and put it into an unknown account. I believed I was putting my money into a new safe account created by the representative from the fraud department. I was scammed.

I have all of the account information and ATM information given to me.

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 2025-06-16 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: MD

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXXXXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I, XXXX XXXX, declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : I am the natural person associated with the credit report being maintained under my Social Security Number and name.

I have reviewed my credit report and identified two separate collection accounts reported by XXXX XXXX XXXX. These accounts are assigned different account numbers but list the same amount, same original creditor, and identical debt details. 


The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXe : {$610.00} This is a clear case of duplicate reporting, and it constitutes an inaccurate, deceptive, and misleading representation of my credit profile, in violation of federal consumer protection laws, including : 15 U.S.C. 1681s-2 ( a ) The Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1692e ( 2 ) ( A ) The Fair Debt Collection Practices Act ( FDCPA ), which prohibits false representation of the character, amount, or legal status of any debt.

15 U.S.C. 1692d Which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

I have not received proper validatio
n of either debt, and the existence of two accounts with the same information under different account numbers confirms that the debt is unverifiable, and must therefore be fully removed from all reporting agencies.

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 2025-06-16 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: OH

Complaint narrative:
there are multiple hard inquires on my credit report that i did not do i do not try to open any accounts or i also did not try to get a loan and i see multi i was just able to get mt XXXX XXXX back because i wasn't able to log in and i seen XXXX hard inquires i did not do within the last few months i called all XXXX bureaus multiple times i did not keep exact dates of when i called i also did a identity theft 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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I logged onto my XXXX XXXX account and a new account in the sum of XXXX connected to a citi bank credit account appeared on my information. it was opened it XX/XX/year> and payments have been made on time since then, but this is the first time it has been brought to my attention. i have tried contacting citi bank unsuccessfully various times but without my social ( which isnt linked to the card ) or card number, can not get through. I sent an email and have filed XXXX disputes with XXXX, both which have provided me no information and just closed without any information. this is not my account, i didnt open it, didnt authorize it, didnt make payments on it. I had no knowledge of it and want it off my account and to be investigated as someone has access to my information and could be identity theft as well as 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 2025-06-16 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$0.00} 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, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$0.00} 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, Balance : {$0.00} 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, Balance : {$0.00} 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, Balance : {$0.00} 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, Balance : {$0.00} INQUIRIES : XXXXXXXX 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 2025-06-16 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-16 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: AZ

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-16 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief