vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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 submitting this complaint regarding XXXX XXXX XXXX XXXX ( XXXX ) reporting my student loan as delinquent for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite the fact that I submitted an Income-Driven Repayment ( IDR ) application in XX/XX/XXXX. 

That same month, the XXXX Department of Education experienced a serious internal data breach due to unauthorized access by the Department of Government Efficiency ( DOGE ). This breach impacted access to and performance of systems like StudentAid.gov and XXXX, which are used to process IDR applications and service loans.

I believe my application was not properly processed due to these known disruptions. As a result, I was forced to resubmit a second IDR application, which XXXX confirmed they received on XX/XX/XXXX. They brought my account current on XX/XX/XXXX, according to a letter dated XX/XX/XXXX. This confirms that I qualified for repayment assistance and that I took steps to avoid delinquency months earlier. 

Despite this, XXXX reported me as 30, 60, 90, and 120+ days late, severely damaging my credit for a delay that occurred during a known federal system failure.

Legal Grounds : FCRA ( 15 U.S.C. 1681s-2 ) Credit furnishers must report accurate and complete information. Reporting delinquency while my application was pending during a documented federal breach is misleading and harmful. 
Higher Education Act ( 20 U.S.C. 1087e ( m ) ) Borrowers are entitled to administrative forbearance during IDR processing. That protection was not applied to my account.

FERPA ( 20 U.S.C. 1232g ) My education records, including my loan servicing status, were mishandled due to federal system instability.

Privacy Act of 1974 ( 5 U.S.C. 552a ) DOEs internal breach materially impacted the integrity and transmission of my data, leading to a false delinquency designation. 

XXXX has denied my dispute, and prior CFPB involvement did not resolve the matter because XXXX was allowed to self-verify. I am now asking that CFPB escalate this for independent investigation. I am requesting the removal of late payments for XXXX XXXX and a correction to my credit history due to mishandling outside of my control.

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 2025-07-03 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: TX

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 Services , 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inaccuracies 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 explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: WA

Complaint narrative:
XXXX sold my loan to Aidvantage AFTER the CFPB ruled it was to be REMOVED. Aidvantage has a LEGAL OBLIGATION AND REQUIREMENT to remove this loan. THIS IS NOT A NEGOTIATION I AM SICK OF BEING LIED TO. YOU ARE REQUIRED TO REMOVE IT MY NEXT STEP IS LITIGATION. AIDVANTAGE IS RESPONSIBLE READ THE COURT ORDER FROM THE JUDGE!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
In XXXX of XXXX I signed up for XXXX XXXX XXXX during the summer presale when the club was initially advertised to open in XXXX. When the club continued to delay its opening I decided I wanted to cancel. I reached out the club manager, XXXX, and he told me to come in and sign the cancellation documents. I did so in XXXX and I spoke with the front desk team to let them know my situation and asked them if I was all paid on the account. They told me I was good to close it and I did not owe anything. I signed the cancellation document and never returned to the gym. 

On XX/XX/XXXX, I received a call from a collections agency, Aldous & Associates, saying I owe money from my account at XXXX XXXX. I called the front desk at XXXX and was directed to XXXX XXXX XXXX. After speaking with XXXX they told me to contact the club manager at XXXXXXXX XXXX XXXXXXXX to have them write a footnote in my account about the situation. 

I then contacted the new club manager, XXXX XXXX, who said he would forward the information to the membership services department. I did not hear back for 6 weeks so I reached out again. Again I was told there was no update and to contact XXXX XXXX. I sent an email to XXXX XXXX on XX/XX/XXXX who replied to me XX/XX/XXXX saying he could get a waiver for the cancellation. I did not hear back from him for 4 months. In XXXX I received an alert on my XXXX  credit report that I had a collection from Aldous on my account. I immediately paid it as I freaked out that it was ruining my credit. I contacted the CEO of XXXX XXXX XXXX XXXX, XXXX XXXX, and never received a response. I super frustrated with the situation considering I never used the facility and was told I did not owe anything and was allowed to cancel which I have documented proof of however I was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have received 3 prepaid cards from settlements ( these companies leaked my data ) and none of them work! It seems like a huge scam. 


On XX/XX/XXXX of this year, I received XXXX from a XXXX settlement. When I try to use the card online, it doesn't work. On XX/XX/year> I received a prepaid card from an Equifax settlement for XXXX and it also doesn't work. 

I believe they're making it as hard as possible ( or impossible ) to use the money so they don't have to pay it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX : The fraudulent activity involved an individual who impersonated a Wells Fargo representative through phone call. This individual accessed my account and conducted unauthorized internal transfers, including moving {$3000.00} from my savings to my checking and {$4500.00} from my credit card to my checking account. Because he was doing this before my eyes in time and told me he had to move my funds into another secure bank account, I believed he was a wells fargo representative. Under the false belief that I was being assisted by a legitimate bank employee addressing fraud, I was coerced into withdrawing the funds ( {$7500.00} ) and depositing ( {$3000.00} ) into an account that the fraudster falsely represented as secure. I stopped after depositing {$3000.00} because I grew suspicious. This was all done under deception and manipulation. 

My complaint to my bank wells fargo is that the bank should have protected my funds. I did not give out my username or password to the fraudster at any point.

I was the victim of a social engineering scam, and the fraudulent party gained access to my account and manipulated my actions. The money was withdrawn and transferred under duress and misinformation. I trusted that I was speaking to a legitimate Wells Fargo fraud team member, and I followed their instructions in good faith.

I filed this case to the Wells Fargo Fraud Department but was rejected after review. 

XX/XX/XXXX : After filing this case to the Wells Fargo Fraud Department, it was rejected. So I made a repeal on XX/XX/XXXX again because I do believe the bank is responsible that an outsider so easily entered into my account. 

On XX/XX/XXXX, wells fargo again denied my request and claimed the case closed.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company
State: OH

Complaint narrative:
I got a {$500.00} loan and XXXX days later a payment for {$220.00} was taken out of my bank account then after I already signed everything they sent other papers and it cost me XXXX XXXX % interest so my {$500.00} loan has turned into {$2000.00} loan I'm on XXXX I thought to have them stop taking it out of my account and they did it twice now I was unaware of how bad the interest was I can not do something like that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I don't know how I ended up on this company 's website directed from another website. I did not provide my social security number to either website. One Main Financial did a hard inquiry without my authorization and without me being pre-approved. I thought it was just going to be a soft pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Someone took out a school loan in my name I was informed because I finally tried to use my credit for something and when I contacted the school it had XXXX as my information off rip I knew who had done it this was in XXXX I didnt get a wind out this until XX/XX/XXXX which XXXX XXXX XXXX now deceased I didnt know how to go about it knowing shes know longer living so I reached out to the school to see what could be done they had me gather up all this information from back in XXXX up until XXXX to prove it wasnt me and then after I did all of that they sent me a letter saying it wasnt enough information to remove to start paying the loan.

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 2025-07-03 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: Central Research Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX ( XXXX ) reporting my student loan as delinquent for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite the fact that I submitted an Income-Driven Repayment ( IDR ) application in XX/XX/XXXX. 

That same month, the U.S. Department of Education experienced a serious internal data breach due to unauthorized access by the Department of Government Efficiency ( DOGE ). This breach impacted access to and performance of systems like StudentAid.gov and NSLDS, which are used to process IDR applications and service loans. 

I believe my application was not properly processed due to these known disruptions. As a result, I was forced to resubmit a second IDR application, which XXXX confirmed they received on XX/XX/XXXX. They brought my account current on XX/XX/XXXX, according to a letter dated XX/XX/XXXX. This confirms that I qualified for repayment assistance and that I took steps to avoid delinquency months earlier. 

Despite this, XXXX reported me as 30, 60, 90, and 120+ days late, severely damaging my credit for a delay that occurred during a known federal system failure.

Legal Grounds : FCRA ( 15 U.S.C. 1681s-2 ) Credit furnishers must report accurate and complete information. Reporting delinquency while my application was pending during a documented federal breach is misleading and harmful.

Higher Education Act ( 20 U.S.C. 1087e ( m ) ) Borrowers are entitled to administrative forbearance during IDR processing. That protection was not applied to my account.

FERPA ( 20 U.S.C. 1232g ) My education records, including my loan servicing status, were mishandled due to federal system instability.

Privacy Act of 1974 ( 5 U.S.C. 552a ) DOEs internal breach materially impacted the integrity and transmission of my data, leading to a false delinquency designation. 

XXXX has denied my dispute, and prior CFPB involvement did not resolve the matter because XXXX was allowed to self-verify. I am now asking that CFPB escalate this for independent investigation. I am requesting the removal of late payments for XXXX XXXX and a correction to my credit history due to mishandling outside of my control.

Company response to consumer: Closed with explanation