vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I received a notice from my loan servicer stating that my account was past due and would soon be in default. However, the account contains multiple legal discrepancies and privacy violations that I formally disputed on XX/XX/year>, by sending certified letters to the loan servicer and the U.S. Department of Education. 

Specifically, I believe my personal information was disclosed without my consent to unauthorized parties, which violates federal privacy law under the Family Educational Rights and Privacy Act ( FERPA ). I also believe the loan was mishandled, with incomplete and inaccurate information provided to me, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as well as the Higher Education Act. 

Despite contacting the company and requesting an investigation, verification of the loan, and resolution, the servicer continues to pursue collection without addressing my formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
there is a hard inquiry on XXXX from XXXX. I did not authorized any one to do this. this hard inquiry is not mine. please remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit 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 : LIST OF ACCOUNTS TO BE REMOVED SUNRISECRED ( Original Creditor : XXXX XXXX ) XXXX XXXX  {$990.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-22 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority.

XXXX XXXX XXXX Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/year>, I sent Capital One two certified dispute letters regarding a reported auto loan. I requested validation, including the contract, payment history, chain of title, and lien proof. Despite receiving these letters, they continued reporting the account as delinquent and failed to mark it as disputed. The Louisiana  XXXX confirms no lienholder is on file, and they have held my vehicle title for over 3 years without perfecting their lien. Their failure to respond or correct reporting violates the FCRA and may constitute unfair practices under Louisiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
my Experian, Equifax, trans union reporting the high balance on my XXXX XXXX XXXX account that is not on the statement they continue doing this lowering my credit score i have called them several time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
my Experian, Equifax, trans union reporting the high balance on my XXXX XXXX XXXX account that is not on the statement they continue doing this lowering my credit score i have called them several time

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
Subject : Demand for Clarification Account Was Previously Removed on XX/XX/XXXX Despite Your Claim It Can not Be Deleted Dear [ AAFES XXXX Military Star Representative ], You previously stated that the Military Star account can not be deleted. However, I have documented proof that the account was removed from my credit report on or around XX/XX/year> following a formal dispute. This directly contradicts your current position. 

I am asking for a clear, written explanation of the following : XXXX. What specific action was taken on or before XX/XX/XXXX that caused the account to be removed from my credit file? 
XXXX. If you are now stating that the account can not be deleted, then what process, decision, or communication caused it to be deleted in XXXX? 
XXXX. Was the account deleted voluntarily by AAFES, or did the credit bureau remove it due to your failure to verify or respond within the statutory dispute window? 
4. Who authorized the reinsertion of the account without providing the required certification to the credit bureau and written notice to me within 5 business days, as mandated by FCRA 1681i ( a ) ( 5 ) ( B )?

I am providing this final opportunity for you to clarify the discrepancy and resolve this matter fairly and lawfully. If you fail to provide a full explanation and delete the reinserted account within 5 business days, I will proceed with : Filing formal complaints with the CFPB, FTC, and Virginia Attorney General, and Initiating legal action for violations of the Fair Credit Reporting Act, including statutory and punitive damages. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I contacted IC systems because I was looking over my credit report and noticed their name on it. I contacted them and tried to inquire about where this debt came from but all they could tell me was that they couldn't give that information and that the debt had been forwarded to them for payment. I politely let them know that unless they could tell me what it was for, I wasn't going to pay it. I actually changed my number about a year ago to avoid their phone calls and other people 's as well

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 2025-04-22 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: PA

Complaint narrative:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXXXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX \nXXXX XXXX  Balance: $XXXX \nXXXX XXXX  Balance: $XXXX\nXXXX XXXX XXXX Balance: $XXXX \nXXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX XXXX Balance:$XXXX\nXXXX XXXX XXXX Balance: $XXXXXXXX\nXXXX XXXX  Balance: $XXXX  \nXXXX XXXX Bankruptcy XXXX Date Filed/Reported: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXXXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX \nXXXX XXXX  Balance: $XXXX \nXXXX XXXX  Balance: $XXXX\nXXXX XXXX XXXX Balance: $XXXX \nXXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX XXXX Balance:$XXXX\nXXXX XXXX XXXX Balance: $XXXXXXXX\nXXXX XXXX  Balance: $XXXX  \nXXXX XXXX Bankruptcy XXXX Date Filed/Reported: 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 2025-04-22 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:
To Whom It May Concern, This letter is a formal notice demanding full proof of verification for the XXXX XXXX XXXX XXXX XXXX account ending in XXXX, currently reporting on my credit report. 

In response to CFPB Complaint # XXXX, I specifically requested documentation substantiating the accuracy of this account. Your response, dated XX/XX/2025, was procedurally timely but legally noncompliant. You failed to provide : The method of verification The name and contact information of the furnisher who verified the data Any documentation supporting the accuracy of the reporting Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the method of verification and the substance of the information provided by the furnisher. A vague statement that the account was verified is not sufficient under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal notice demanding full proof of verification for the XXXX XXXX XXXX XXXX XXXX account ending in XXXX, currently reporting on my credit report. 

In response to CFPB Complaint # XXXX, I specifically requested documentation substantiating the accuracy of this account. Your response, dated XX/XX/2025, was procedurally timely but legally noncompliant. You failed to provide : The method of verification The name and contact information of the furnisher who verified the data Any documentation supporting the accuracy of the reporting Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the method of verification and the substance of the information provided by the furnisher. A vague statement that the account was verified is not sufficient 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 2025-04-22 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just saw an unauthorized inquiry on my credit report today, and I have no idea how or why its there. I checked like I usually do, but this time something was clearly off. I refreshed the browser thinking it might be a bug, but nothing changed. Im beyond upset and demand that the documents I sent be carefully reviewed nowI need this fixed immediately.

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 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for InvestigatioXXXX and Removal Account Name : XXXX Account Number : XXXX Balance : {$8000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under XXXX XXXX XXXX' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Subject : Urgent Request for Account Reinstatement and Resolution of Missing Funds XXXX & Notification Failure To Whom It May concern I am writing as a long-time Chase customer regarding the recent closure of my account ending in XXXX. I have maintained my relationship with Chase for 56 years, and my account was originally established with my late grandmother and grandfather. 

I am a documented XXXX individual with XXXX and additional XXXX. Because of this, my account was set up with both XXXX and email alerts enabled to ensure that I could respond promptly to any account issues. Despite this, I did not receive any advance notification about the closure of my account or the claims of alleged abuse. The only written notice I received was dated XX/XX/XXXX, 2025after my account was already closed and the check for my remaining balance was mailed. The notice references a supposed prior warning dated XX/XX/year>2025, which I never received via any channel ( mail, email, or XXXX ). 

Furthermore, when I finally received the check, the amount was {$87.00} less than my expected balance. I have received no clear documentation or explanation for this deduction. 

I am not seeking conflict or damages ; my goal is to maintain my relationship with Chase, resolve the discrepancy, and ensure accessible and timely communication for myself and other customers with XXXX. 

I respectfully request : 1. A full explanation for the {$87.00} discrepancy and a refund if the deduction is not legally justified.

2. A review and reconsideration of my ability to open a new account or restore my banking access, given my reliance on Chase for XXXX, direct deposits, and other integrations. 


3. Confirmation that Chase will review and improve its procedures for providing timely, accessible noticeespecially for customers with documented XXXX and specific notification preferences. 



Please let me know if any further information is needed. I am happy to provide images of the notice and envelope with postmark dates as evidence of delayed notification. 

I sincerely hope to continue my relationship with Chase and have these matters resolved in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
I believe that my private informationincluding my social security number, financial data, and academic records -- was improperly disclosed or accessed without my prior consent under the Family Educational Rights and Privacy Act ( FERPA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 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: Transform Credit Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief