vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Subject : FERPA Violation and Request for Record Update To Whom It May Concern, I am writing to formally report a serious breach of my student privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. My student records were disclosed without my prior written consent, in direct violation of FERPAs strict confidentiality protections and the federal requirements established under the Privacy Act. 

This unauthorized disclosure constitutes a significant breach of my rights and has caused me personal and professional distress. As a result, I am requesting that this matter be fully investigated and that my student record be corrected and updated to reflect a positive status, given the violation of federal privacy protections. 

Please confirm receipt of this letter and inform me of the next steps regarding the review and correction process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This is identity theft I did not open these accounts however, check systems will not investigate. I am requesting these items be blocked immediately. Thank 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 2025-05-31 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: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously raised this issue with your agency and was assured by a representative that the unauthorized inquiries would be removed. That commitment has not been honoredthese inquiries remain on my report. This failure to take corrective action is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply troubling and may indicate identity theft. This unresolved issue is causing continuous emotional distress and financial damage. I am demanding an immediate investigation and the complete removal of all unauthorized inquiries from my credit report without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
RE : Request for Reinvestigation and Method of Verification Confirmation Number : XXXX To : Equifax, I am writing in regard to confirmation number XXXX, received on XX/XX/year>, concerning disputed entries on my credit report. The items in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your recent response indicates that an investigation has been completed, and these items were verified as accurate. However, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting : 1. A Reinvestigation of each of the above accounts under 15 U.S.C. 1681i ( a ), as I continue to dispute the accuracy and completeness of the reported information. 
2. A detailed description of the method of verification used to confirm the accuracy of each item under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and contact information of the furnisher ( s ) of the disputed information. 
A copy of any documents and/or any assignments provided by the furnishers that you used in verifying the information. 
Please understand that a mere statement of verification by the furnisher is not sufficient under federal law. I am entitled to know how the verification was conducted and what documentation was used. 
Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information during reinvestigation, you are required to delete the item from my credit report. 
Please consider this letter a formal request under the FCRA. I expect a written response within XXXX business days, as required. Attached is my photo id and social security card for verification to avoid any stall or delay tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/XXXX for XXXX I paid for subscription that I cancel and requested a refund and chime is giving me a hard time wanting documents and so forth when theyre supposed to be helping me retrieve my funds. Also XX/XX/XXXX for the amount of {$110.00} and XX/XX/XXXX in the amount of {$20.00} I paid a different merchant for two separate transactions and they have not given me my product I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$530.00} - Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} - Account XXXX XXXX XXXXXXXX XXXX XXXX - Balance : {$1100.00} - Account XXXX XXXX XXXX XXXX  - Balance : {$3600.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$530.00} - Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} - Account XXXX XXXX XXXXXXXX XXXX XXXX - Balance : {$1100.00} - Account XXXX XXXX XXXX XXXX  - Balance : {$3600.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX XXXX XXXX  to help expedite this situation, reports are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to my provided address. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX XXXX XXXX  to help expedite this situation, reports are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to my provided address. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This collection account does not include original creditor documentation and was verified by the credit bureaus without sufficient proof. I never received proper validation of the debt from

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 2025-05-31 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: FL

Complaint narrative:
I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. 
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. 
I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed. Should you need further information or documentation, feel free to contact me directly at XXXX or 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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt was submitted to Portfolio Recovery Associates , LLC. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/year>. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishment of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
This account appears as a charge-off or derogatory status, but the information is outdated and unverifiable. I disputed this with the credit bureaus and did not receive proper documentation or reinvestigation proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> U.S. Bank sent a letter that a smartly savings and checking account is oppened without my authorization. 

Applications id : XXXX I tried calling the u.s. bank fraud customer service line twice, but got the run around and they hung up on me then on the 2nd call told me they could do nothing further on the phone.

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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX As soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I have sent you a written request to validate my debt having account on XX/XX/XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/XXXX However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ), which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days. 

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

Please remove the following items from my credit report, immediately : Transunion * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Equifax * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date XXXX XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Experian * * * * XXXX XXXX XXXXXXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed-Charge Off Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX  XXXX XXXX {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX  XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief