vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
Called Dept Of ED/AIDVANTAGE On XX/XX/XXXX : XXXX  to provide me with a Verification Of Debt and my original loans documents with my signatures due to the Debt being transferred from XXXX to this company. " In XXXX, XXXX, a major student loan servicer, reached a settlement with a coalition of 39 state attorneys general, including Pennsylvania. 
The settlement addressed allegations of unfair, deceptive, and abusive practices, including steering borrowers into costly forbearance options instead of income-driven repayment plans. 
The settlement included {$1.00} XXXX in private student loan debt cancellation and {$95.00} XXXX in restitution payments. 
Prior to this settlement, XXXX transferred its federal student loan servicing to Aidvantage, a division of Maximus Federal Services , Inc. '' I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was very surprised when I asked ED/AIDVANTAGE to provide me with a email to send them a formal request due to the email on their website not being active I was told they do not have a formal email and that is why I could never reach them by email. I found this to be very unprofessional and not forth coming. I would like all student with this company to be terminated due to countless violations, and information violations my account was with XXXX was hacked I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-15 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-15 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-15 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: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: GA

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX with a balance of {$8400.00}, opened on XX/XX/year>. I did not authorize this account, and it should not be on my credit report. 

Under FCRA Section 605B and 15 U.S. Code 1681b, this account must be removed if its reported without my permission.

Please delete this account from my credit report within 4 business days and confirm in writing once its been removed. 

Thank you, 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 2025-05-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Complaint Summary : I am reporting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) regarding unauthorized credit inquiries that appear on my Equifax credit report. The companies involved are XXXX XXXX, XXXX. and XXXX XXXX XXXX XXXX  XXXX 

On XX/XX/XXXX, I mailed written dispute letters to both companies requesting the removal of the following unauthorized hard inquiries : CBNA ( XXXX XXXX, XXXX. ) Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX I did not authorize or initiate any credit applications with these companies. My personal information has been compromised in prior data breaches, and I believe these inquiries may be linked to identity theft. 

Despite my written disputes, I have received no response from the companies. Additionally, when I initially disputed the inquiries with Equifax, they marked the inquiries as factual and instructed me to contact the creditors fraud departments directly. 

Under XXXX XXXX. XXXX of the FCRA, I have the right to dispute inaccurate or unauthorized information and receive a timely investigation and written response. As of today ( over XXXX  days since mailing ), I have not received any documentation proving I authorized these inquiries, nor any resolution or update.

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 2025-05-15 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: NC

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 2025-05-15 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: FL

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 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 2025-05-15 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 non-monetary relief
Consumer complaint received 2025-05-15 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: DC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
I tried sending money through wise to my international account using my business account to process the wire transfer. Same day wire of {$60000.00} sent to Wise 's XXXXXXXX XXXX account # XXXX on XX/XX/year>. Money received in their account same day. Wise told me they could not verify my business account, and they will cancel the transfer. They asked me to enter originating bank account, which I did enter my XXXX XXXX  XXXX business account. I did as they asked me and was told the refund will be between XXXX to XXXX days. Up till today I have not received my refund, and I have been contacting them every day so far XXXX refund attempts from Wise were made and they keep saying the refund keeps bouncing back. At this point it appears they are playing games with me. I have requested to speak to a supervisor several times, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Equifax is inaccurately reporting several collection/charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate reporting is a clear violation of the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information they report. The inclusion of these questionable accounts without proper verification is deeply concerning, particularly given the high potential for data inaccuracies and breaches that can compromise consumer information. The presence of a zero-balance charge-off, for instance, strongly suggests a failure to properly verify the legitimacy of the data before including it in my credit file, which can cause significant financial harm. 

Furthermore, as an Equifax consumer, I have the right to expect accurate and reliable reporting. Equifaxs failure to fully investigate these entries upon receipt of my dispute, as required under 15 U.S.C. 1681i ( a ), further compounds this issue. This section mandates a reasonable investigation, yet it appears that Equifax either failed to conduct such an investigation or did so in a grossly inadequate manner, resulting in the continued presence of these inaccurate entries. This negligent approach to data management is particularly unacceptable given the significant financial and reputational damage that can result from such errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
submitted a written dispute to TransUnion on XX/XX/year> regarding inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), they are required to investigate and respond within 30 days. It has been over 30 days, and they have neither responded nor removed the inaccurate items from my credit report. 
This is a violation of FCRA 611 ( 15 U.S. Code 1681i ). I request the FTC take appropriate action against this non-compliant behavior

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 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are 3 hard inquiries on my account from XXXX XXXX for the same dates XXXX.i only agreed to one. I also have a hard inquiry from Bank of america and XXXX  XXXX on XX/XX/year> that is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There are 3 hard inquiries on my account from XXXX XXXX for the same dates XXXX.i only agreed to one. I also have a hard inquiry from XXXX  XXXX XXXX and XXXX  XXXX on XX/XX/year> that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Dear XXXX XXXX and Nelnet, Thank you for your reply. However, it does not address the severity or substance of my concern. 

To clarify : These loans were initiated by my parent ( s ) when I attended college without my full knowledge or informed consent. For over a decade, I was unaware that these loans were in my name or being attributed to me. At no point did I personally apply for, sign for, or knowingly accept financial responsibility for these federal loans.

Only recently over 13 years later did I receive a notice of default, accompanied by a devastating XXXX drop in my credit score. I was shocked, as this was the first time I had been made aware that this debt was attributed to me. I immediately took responsibility, reached out, and began making payments not out of obligation, but because I act in good faith. Despite that, the credit damage remains. 
I am requesting the following : 1. An immediate formal review of how and when these loans were assigned to my name, and by what authority or documentation that occurred.

2. A full explanation of why no contact was made with me for 13 years if I was indeed considered the borrower.

3. A correction of the derogatory credit reporting, given the lack of due notice, lack of consent, and lack of agency over this account for more than a decade.

4. Confirmation that this issue is escalated internally to a supervisor or department capable of investigating long-term misattribution and unfair credit practices.

To be clear : this is not a case of external identity theft. It is a failure of your systems to appropriately verify borrower consent and maintain consistent records, which has now unjustly harmed my credit profile and financial future. I am not only deeply concerned I feel this constitutes an abuse of power and a neglect of duty toward borrower protection. 

If this matter is not resolved promptly, I am prepared to take this to court. 

Please respond with next steps, the specific documents you are using to assert I was the legal borrower, and how you plan to remedy the damage caused by this mishandling. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CENTRALPORTF regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CENTRALPORTF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CENTRALPORTF but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Negative impact on my credit report such as public records

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