vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Complaint Against DPT ED/XXXX ( U.S. Department of Education / Aidvantage XXXX for FERPA Violation and Unlawful Credit Reporting To Whom It May Concern, I am filing this formal complaint against DPT EDXXXX XXXX Department of Education XXXX Aidvantage XXXX , located at XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX regarding what I believe to be a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), and improper credit reporting practices under the Fair Credit Reporting Act ( FCRA ). 

This loan servicer has accessed and reported information to consumer reporting agencies without my written consent and without a valid permissible purpose under FERPA. Educational records, which include financial aid and student loan details, are protected under FERPA and may not be disclosed to third partiesincluding credit bureauswithout proper authorization from the student or a legal exception. 

I have not provided consent for such reporting, and I believe this reporting constitutes a violation of my privacy rights under FERPA. Additionally, I am requesting that this matter be investigated for potential FCRA violations, including the reporting of inaccurate or incomplete information to XXXX, XXXX, and XXXX. 

This  inaccurate or unauthorized reporting has caused harm to my credit score, restricted my financial access, and created emotional and economic distress. I have attempted to resolve the matter directly but have not received a valid resolution from the servicer. 

I respectfully request that the CFPB : 1. Investigate XXXXT EDXXXX for potential FERPA violations 2. Require documentation proving valid consent for reporting my student loan information 3. Ensure the immediate removal of any unauthorized or unverified entries from all consumer reporting agencies Thank you for protecting the rights of consumers and students. My identification, supporting documents, and excerpts of my credit report showing the accounts in question will be provided upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Im writing because there is inaccurate information on my credit report that needs to be addressed immediately. Specifically, there is an account listed that doesnt belong to me its someone elses, and its been incorrectly tied to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Im writing because there is inaccurate information on my credit report that needs to be addressed immediately. Specifically, there is an account listed that doesnt belong to me its someone elses, and its been incorrectly tied to my credit file.

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 2025-05-16 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: CA

Complaint narrative:
I just reviewed my credit report and saw an inquiry from a company Ive never dealt with and let me be very clear : I never gave them permission to pull my credit. 

At no point did I authorize this company to access my personal information. This inquiry is unauthorized and, in my view, fraudulent. It was done without my knowledge or consent, and it should not be on my 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 2025-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-16 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX A credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX An auto loan account with XXXX XXXX opened on XX/XX/XXXX These accounts were not opened or initiated by me in any way and are entirely the result of identity theft. I have provided my consumer FICO credit report, which shows these fraudulent entries, along with my FTC Identity Theft Report # ( private case number ) to confirm the identity theft.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I filed a dispute for two separate merchants regarding transactions on my account with Chime mobile banking. They reversed the temporary credit that was applied to my account because they are saying I didnt upload supporting documents, but thats untrue because uploaded the documents that they requested when I first spoke with them. After explaining that to a supervisor she went on to say that I would receive the reversal credit back to my account within 10 days and I never received it. It happened a couple times after closing the claim and reopening it, saying that I would see the credit back in my account within 10 days and each time one day before it arrives they send me an email saying they have made a decision on my claim stating it was denied without giving me the proper amount of time to get the documents from the merchant. The first email I received from them said that I would receive a credit within 10 days and that the investigation could take up until the date XXXX/25. On the side of this problem they are now closing my account without giving me an explanation as to why its being closed in the first place. I was called out of my name by one of the representatives after requesting to speak with a supervisor. Now Im out of {$1200.00} that they are refusing to give me back from a dispute with a merchant, they issued me a credit of {$1200.00} but my account is in negative {$2200.00} from the last dispute because the credit they issued me was reversed because they didnt give me enough time to upload the documents that Im waiting to receive from merchant, so I cant even access the {$1200.00} credit that was issued in my account because it went toward the negative balance and my chime banking account is scheduled to be closed on XXXX XXXX for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2025, my vehicle was totaled in a fire. I immediately notified XXXX XXXX XXXX XXXX and was advised to change my loan due date from the XXXX to XX/XX/XXXX, with a XXXX grace period. This made XX/XX/2025, the effective due date. On XX/XX/2025, XXXX XXXX paid {$21000.00} to XXXX XXXX. On XX/XX/2025, XXXX XXXX XXXX paid {$13000.00}, and an additional {$69.00} was withdrawn from my personal account. The final remaining balance was {$100.00}, which I paid on XX/XX/2025, in the amount of $ XXXX over the amount due. Despite this, my credit report shows the account as 60 days past due, which is inaccurate. 
On XX/XX/2025, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX. She told me that she will be correcting the late payments thats report and I needed to pay the {$100.00} balance by the end of XXXX. 
However, my official loan statement clearly lists a due date of XX/XX/2025. This contradiction in information caused confusion and led to the account being falsely reported as delinquent, despite my full and timely payment. According to credit reporting standards, a payment can not be considered 30 days late until XXXX full days have passed after the due date. 
Since the revised due date was XX/XX/2025, the XXXX mark would not arrive until XX/XX/2025. 
XXXX XXXX received the majority of the payoff by XX/XX/XXXX, meaning the account was never even 30 days late-let alone XXXX. This false reporting has severely damaged my credit, misrepresented my payment history, and unjustly harmed my financial reputation. I followed all instructions provided by XXXX XXXX and paid the loan in full. I am requesting that this be corrected immediately, and I will be pursuing legal action if it is not resolved. This has recently caused me to get denied Credit and even at you guyss XXXX XXXX at 20 % interest rate which is ridiculous.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/year>, my vehicle was totaled in a fire. I immediately notified XXXX XXXX XXXX XXXX and was advised to change my loan due date from the XXXX to XX/XX/XXXX, with a XXXX grace period. This made XX/XX/year>, the effective due date. On XX/XX/year>, XXXX XXXX paid {$21000.00} to XXXX XXXX. On XX/XX/year>, XXXX XXXX XXXX paid {$13000.00}, and an additional {$69.00} was withdrawn from my XXXX account. The final remaining balance was {$100.00}, which I paid on XX/XX/year>, in the amount of $ XXXX over the amount due. Despite this, my credit report shows the account as 60 days past due, which is inaccurate. 
On XX/XX/year>, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX. She told me that she will be correcting the late payments thats report and I needed to pay the {$100.00} balance by the end of XXXX. 
However, my official loan statement clearly lists a due date of XX/XX/year>. This contradiction in information caused confusion and led to the account being falsely reported as delinquent, despite my full and timely payment. According to credit reporting standards, a payment can not be considered 30 days late until XXXX full days have passed after the due date. 
Since the revised due date was XX/XX/year>, the XXXX mark would not arrive until XX/XX/year>. 
XXXX XXXX received the majority of the payoff by XX/XX/XXXX, meaning the account was never even 30 days late-let alone XXXX. This false reporting has severely damaged my credit, misrepresented my payment history, and unjustly harmed my financial reputation. I followed all instructions provided by XXXX XXXX and paid the loan in full. I am requesting that this be corrected immediately, and I will be pursuing legal action if it is not resolved. This has recently caused me to get denied Credit and even at you guyss XXXX XXXX at 20 % interest rate which is ridiculous.

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 2025-05-16 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened 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 2025-05-16 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: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2025-05-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Im disputing an accounts thats been placed on my credit report. I never opened this account. This is an unauthorized account that I had no part in.

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 2025-05-16 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
The account shows different amounts and payment histories across Equifax, Experian, and TransUnion in 2022. 

I believe the late payments reported may not be accurate, as the inconsistencies in the data call into question the validity of the information being furnished.

Additionally, my credit profile was compromised as a result of a data breach. I am concerned that my account information may have been affected, leading to the reporting errors now reflected on my credit reports. 



Given the above, I respectfully request a full investigation into this matter and the removal of the Ally Financial XXXX XXXX account from my credit report if the data can not be verified for accuracy and consistency across all bureaus.

Company response to consumer: Closed with explanation