vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit data was leaked in the XXXX breach and my information was not investigated properly by Experian or XXXX. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, FL 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 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have tried for the last 2 years to get this resolved. I did the XXXX loan and I was told that because my loans are more than XXXX XXXX XXXX that they would be forgiven. I have done everything I can to try and pay back what I can. In XXXX, I was told to pay a certain amount and I did and the the company disappeared. I have been out of school since XXXX working in the Non profit and doing public servant worked and told my loans would be forgiven. This has caused my credit to be low and me not to be able to apply for loans or home mortgage. 

Now, recently, My data was exposed in a data breach. All my information. So, please help me by telling mw what I need to do. I will not be able to pay these loans back but I have completed the applications where I worked for several company completing XXXX  of hours. I was told this would be taken care of and today I still have over {$100000.00} in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
identify you and your account. 
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Subject : Equifax Data Breach Unauthorized Exposure of Personal Information Description : I recently learned about Equifaxs major data breach, which compromised the personal data of over XXXX XXXX consumers. However, I was never notified by Equifax about whether my personal data was included in this breach. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), Equifax is legally required to maintain maximum possible accuracy and security of my consumer data. I have serious concerns that my Social Security number, financial records, and credit file may have been exposed without my consent, yet Equifax failed to provide transparency and notification.

My Specific Complaints Against Equifax : Failure to notify me if my personal data was breached Equifax has a legal duty to inform all affected consumers, yet I was never contacted.

Failure to provide documentation or confirmation regarding my compromised data Equifax has not provided me with any records showing what information of mine was impacted.

Potential unauthorized use of my credit file I have seen credit inquiries that I did not authorize, which may be connected to the breach.

Failure to provide credit protection services Equifax has not offered identity theft monitoring or assistance, despite my potential exposure in their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-19 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-19 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: NJ

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Aldous & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attempted to resolve this matter directly with Aldous & Associates as well as XXXX on several occasions including these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. This matter allegedly stems from a collections from XXXX from XXXX XXXXXXXX, of {$100.00} dollars, which is not accurate, I do not owe any monies. I explained this to Aldous & Associates in XXXX, but they continued to harass me. 

I even asked Aldous & Associates for the original contract naming me for collections with XXXX XXXX, but they failed to provide that information to me as requested. 

After repeated threatening calls and letters stating they would disparaged my credit, I paid their ransom and their fee, which totaled {$150.00} dollars. I was promised that this payment would resolve any issues and would not be posted on any consumer credit reporting agencies. Now my credit report with the consumer credit agencies inaccurately reflects collections harming my ability for loans, and lease agreements. 

Before reaching out to the CFPB, I tried to resolve this matter with XXXX directly through their dispute resolution process ( XX/XX/XXXX, and XX/XX/XXXX ). On both occasions XXXX did nothing to resolve this serious matter impacting my credit. 

Also, before contacting the CFPB, I filed a complaint with the XXXX all in an attempt to correct this situation in a professional matter, but to no avail. 

I did not have any collections due with XXXX XXXX, I do not have a contract with Aldous & Associates, and I never received any contract validating what they purported was true and accurate. 

All that I am asking for is that my consumer credit report with XXXX, XXXX, and XXXX be cleared of anything related to Aldous & Associates. I have patiently waited for these agencies to do the right thing since XXXX of XXXX, which is plenty of time to correct the damage they created on my credit reports. 

Thank you for your time in reviewing my complaint, and I hope you understand that my remedy is reasonable especially considering all that I have done to correct a problem I had no connections with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
My card was charged for purchases I did not make. The balance is not valid. Barclays needs to correct their reporting and remove this from my credit report immediately. The balance is not valid.

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 2025-02-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have a collection from XXXX XXXX on two report showing different amounts and a collection from Columbia Debt also showing different amounts. I have disputed this a number of times and it has not came off or have the updated the info to prove it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NRA Group, LLC
State: GA

Complaint narrative:
I have a collection from XXXX XXXX on two report showing different amounts and a collection from XXXX XXXX also showing different amounts. I have disputed this a number of times and it has not came off or have the updated the info to prove it is valid.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear Credit Collection Services, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).

As a customer of Credit Collections Services, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MN

Complaint narrative:
Transunion has 10 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 2 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. 

EXPERIAN has 12 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 6 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED equifax has 21 unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And 1 credit card : XXXX XXXX that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED

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 2025-02-19 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: MN

Complaint narrative:
Transunion has 10 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 2 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. 

EXPERIAN has 12 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 6 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED equifax has 21 unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And 1 credit card : XXXX XXXX that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, NV XXXX XXXX XX/XX/year> XXXX XXXX, NV XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures. 
2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise

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 2025-02-19 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: LA

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. The collections account that Im referring to is XXXX XXXX XXXX. I am aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Despite my efforts to resolve these matter, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history and this account isnt mine.

Company response to consumer: Closed with non-monetary relief