vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report concerning my federal student loan serviced by Aidvantage. I believe that my personal data may have been improperly accessed by the Department of Government XXXX ( XXXX ), potentially violating my privacy rights. 

Details of the Account in Question : Loan Servicer : Aidvantage Account Number : XXXX Original Loan Amount : {$110000.00} Date Opened : 2013 Nature of the Dispute : Recent reports have indicated that XXXX may have accessed sensitive personal information of student loan borrowers without proper authorization. This unauthorized access raises serious concerns about the security of my personal data and the integrity of the information being reported to credit bureaus. 

Given these circumstances, I request the following : XXXX. Investigation : That the CFPB investigate the potential unauthorized access of my personal data related to my student loan account. 
2. Verification : That Aidvantage provide verification of the accuracy of the information they have reported to credit bureaus concerning my account.

3. Correction : If any inaccuracies are found that the necessary corrections be made to my credit report to reflect accurate and up-to-date information. 


Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
SEE NOTES AND ATTACHMENTS According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on XXXX different days. This is an inaccurate report. Also, the past due dates are showing different reports. The account numbers are also different. Where did you receive these inaccurate reports? Please delete these inaccurate reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand that these fraudulent accounts be removed from my credit report, as I never opened them and had no knowledge of their presence. In line with USC 1681g, I request their deletion within 15 days. Relevant documents are included for your reference.

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 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I did live at the community XXXX XXXXXXXX XXXX XXXX XXXX ( original creditor ) XX/XX/XXXX through XX/XX/XXXX. After those dates I never resigned a lease and moved from apartment unit. The company has been under several different ownerships and managements. Not very organized and on top of business. The original creditor is stating that I owe a balance of XXXX. The debt occurred is inaccurate, and the balance is it not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

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 explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice to XXXX XXXX and Associates to cease and desist all collection efforts regarding the alleged debt, which I assert is time-barred and no longer legally enforceable. 

Under Georgia law ( XXXX  XXXX ), the statute of limitations on written contracts is XXXX ( XXXX ) years. Based on my records, the date of last activity on this account falls well outside of this statutory window. You are therefore legally barred from initiating a lawsuit to collect on this debt. 

In addition, I have been subjected to excessive and harassing communications, including repeated phone calls, robocalls, and unsolicited text messages, all of which are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692d, which prohibits any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Your continued contact, especially through automated dialing systems, may also be a violation of the Telephone Consumer Protection Act ( TCPA ) and the FDCPAs prohibition on repeated or continuous phone calls with the intent to annoy or harass ( 15 U.S.C. 1692d ( 5 ) ).

You are hereby ordered to : Immediately cease all forms of communication with me, including phone calls, text messages, emails, letters, and robocalls, as allowed under 15 U.S.C. 1692c ( c ).

Cease all collection efforts on this alleged debt, which is clearly outside the statute of limitations and therefore uncollectible through legal channels. 

Refrain from making any further misrepresentations regarding the legal status or enforceability of this alleged debt. 

Should you fail to comply with this demand, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  XXXX  XXXX XXXX, and I will explore legal action to seek statutory damages under 15 U.S.C. 1692k for your continued violations. 

This is my final communication on this matter. Any further attempts to contact me will be documented and used as evidence of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

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 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
Acima failed to provide a thorough explanation or transparency on why I'm paying {$5400.00} when the purchase price is {$2300.00} for my furniture I am leasing. They are charging over 50 % of the cost. They provided an early pay option but none of the payments I'm making will count towards reducing that price therefore, they want me to pay {$2300.00} in addition to the {$220.00} I'm paying twice per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
last COMPLAINT ID XXXX My Complaint Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Against Equifax for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and file a complaint against Equifax for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile. I have repeatedly sent dispute letters to Equifax over the years regarding the misuse of my personal information due to their data breach, yet they have failed to respond or take corrective action. As a direct result of this breach, I have been a victim of identity theft. My credit report now contains false closed accounts, inaccurate addresses, incorrect employment information, and even false names that I have never used. These inaccuracies have significantly harmed my credit standing and financial well-being. Despite my ongoing efforts to communicate with Equifax, they have ignored my previous disputes, failed to provide proper investigation results, and have not corrected the errors on my report. This negligence violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am formally requesting that the CFPB intervene and take action to hold Equifax accountable for its lack of response and its failure to correct these errors. I am requesting the following : 1. A full investigation into Equifaxs handling of my disputes and why they have failed to respond. 2. The immediate removal of all fraudulent and inaccurate information from my credit report. 

Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, PAST DUE, CHARGE OFF AMOUNT, BALANCE, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXXTransUnion XXXX XXXX  TransUnion

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 2025-05-14 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The account is with LVNV Funding LLC # XXXX. I have no knowledge 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 from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: 2288984 Ontario Inc.
State: CA

Complaint narrative:
This company is stating this debt it mines and I have never done business with this company and never heard of this company my identity has been compromised several times resulting in these type of things I have been disputing this for months and havent gotten any where this debt is not mine and I want it removed from my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-05-14 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 a victim of identity theft. There is a account with XXXX XXXX XXXX acct XXXX. Someone used my personal information to open this fraudulent account. Ive never gave anyone permission or authorization to open this account.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I was trying to purchase a XXXX XXXX puppy from a company online that was named XXXX XXXX XXXX  that was located in XXXX Arizona. After having email contact with the company to purchase a dog. I paid via XXXX to a person under the name XXXX XXXX  for XXXX dollars. After further emails Id realized that this website that was the top XXXX search was a scam site and the person wanted XXXX for a thermo crate. Those crates are XXXX dollars on XXXX. I knew right then that I had been scammed out of my money. After trying to receive a refund as described in the emails. The scammer stopped responding to me. I have reported this to the FTC and XXXX. After trying to work this out with SOFI and XXXX and filing a claim. They decided that no wrong doing or errors were done. I provided over 40 emails and tracking information to these companies with no real explanation for the denial. I shouldnt have to request documents to get a straight answer on why it was denied.

Company response to consumer: Closed with explanation