vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I currently have loans with XXXX schools : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

In XXXX I was sent notification " Final request : take action now to avoid default ''. I contacted XXXX right away and applied for forbearance because at the time I had no money. 

XXXX Covid hit, and every year was sent a message " forbearance has been approved '' XXXX In XXXX of XXXX I was sent notification " Your forbearance is ending soon '' In XXXX I went through in Loan Consolidation, submitted application with ALL LOANS and was told in XXXX " Congrats! Your student Loan is paid in full '' and I went on an income driven payment plan and have NEVER missed a payment. 
In XX/XX/XXXX I was at a credit score of XXXX and the next date woke up to a credit score of XXXX. Upon call after call and letter after letter and complaint after complaint- I am here begging for help. 
XXXX Sent in complaint for XXXX and XXXX XXXX Sent in complaint for Defaulted Loans Finally got the information for the collections agency and they stated they received my file in XXXX but just NOW started to try to collect. Unbeknownst to me- I was told all loans were covered in the Loan Consolidation with XXXX XXXX 
When asking for options on how to get credit score back and loans NOT in " default '' I was simply told XXXX things. Contact original loan provider XXXX make a XXXX time payment of {$26000.00} and my credit would NOT be reinstated. 
I called XXXX and sent in complaint for serious help and was responded with " This is no longer Nelnets file you need to speak with collections agency. 
I then called XXXX XXXX and spoke to a supervisor who was on the phone with me for over XXXX hours. Not only is my consolidated loans have BOTH XXXX loans AND XXXX loans, these " defaulted '' loans were supposed to be included as well. 

I was told that they were opening a " research ticket '' and would call me back in XXXX hours. This was on XX/XX/XXXX. My credit keeps dropping. 

Essentially this is what is happening : XXXX XXXX Pay with no credit back or contact XXXX XXXX Not our fault or file anymore- cant help you- but this should not have happened to you. 

It has been XXXX months now, and NO XXXX is helping me. I am alone in the state of XXXX no family and single. What's most important is a credit score, and as of right now, I have a poor rating after working so hard- and no one is helping, and im at rock bottom with options. PLEASE HELP ME I have proof of ALL complaints, letters, emails, phone calls. I can submit at any time to you for proof. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I currently have loans with XXXX schools : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

In XXXX I was sent notification " Final request : take action now to avoid default ''. I contacted XXXX right away and applied for forbearance because at the time I had no money. 

XXXX Covid hit, and every year was sent a message " forbearance has been approved '' XXXX In XXXX of XXXX I was sent notification " Your forbearance is ending soon '' In XXXX I went through in Loan Consolidation, submitted application with ALL LOANS and was told in XXXX " Congrats! Your student Loan is paid in full '' and I went on an income driven payment plan and have NEVER missed a payment. 
In XX/XX/XXXX I was at a credit score of XXXX and the next date woke up to a credit score of XXXX. Upon call after call and letter after letter and complaint after complaint- I am here begging for help. 
XXXX Sent in complaint for FASFA and XXXX XXXX Sent in complaint for Defaulted Loans Finally got the information for the collections agency and they stated they received my file in XXXX but just NOW started to try to collect. Unbeknownst to me- I was told all loans were covered in the Loan Consolidation with XXXX XXXX 
When asking for options on how to get credit score back and loans NOT in " default '' I was simply told XXXX things. Contact original loan provider OR make a XXXX time payment of {$26000.00} and my credit would NOT be reinstated. 
I called XXXX and sent in complaint for serious help and was responded with " This is no longer Nelnets file you need to speak with collections agency. 
I then called XXXX AGAIN and spoke to a supervisor who was on the phone with me for over XXXX hours. Not only is my consolidated loans have BOTH XXXX loans AND XXXX loans, these " defaulted '' loans were supposed to be included as well. 

I was told that they were opening a " research ticket '' and would call me back in XXXX hours. This was on XX/XX/XXXX. My credit keeps dropping. 

Essentially this is what is happening : XXXX XXXXXXXX Pay with no credit back or contact XXXX XXXX Not our fault or file anymore- cant help you- but this should not have happened to you. 

It has been 2 months now, and NO XXXX is helping me. I am alone in the state of XXXX no family and single. What's most important is a credit score, and as of right now, I have a poor rating after working so hard- and no one is helping, and im at rock bottom with options. PLEASE HELP ME I have proof of ALL complaints, letters, emails, phone calls. I can submit at any time to you for proof. 


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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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I currently have loans with XXXX schools : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

In XXXX I was sent notification " Final request : take action now to avoid default ''. I contacted XXXX right away and applied for forbearance because at the time I had no money. 

XXXX Covid hit, and every year was sent a message " forbearance has been approved '' XXXX In XXXX of XXXX I was sent notification " Your forbearance is ending soon '' In XXXX I went through in Loan Consolidation, submitted application with ALL LOANS and was told in XXXX " Congrats! Your student Loan is paid in full '' and I went on an income driven payment plan and have NEVER missed a payment. 
In XX/XX/XXXX I was at a credit score of XXXX and the next date woke up to a credit score of XXXX. Upon call after call and letter after letter and complaint after complaint- I am here begging for help. 
XXXX Sent in complaint for FASFA and XXXX XXXX Sent in complaint for Defaulted Loans Finally got the information for the collections agency and they stated they received my file in XXXX but just NOW started to try to collect. Unbeknownst to me- I was told all loans were covered in the Loan Consolidation with XXXX XXXX 
When asking for options on how to get credit score back and loans NOT in " default '' I was simply told XXXX things. Contact original loan provider OR make a XXXX time payment of {$26000.00} and my credit would NOT be reinstated. 
I called XXXX and sent in complaint for serious help and was responded with " This is no longer Nelnets file you need to speak with collections agency. 
I then called XXXX XXXX and spoke to a supervisor who was on the phone with me for over XXXX hours. Not only is my consolidated loans have BOTH XXXX loans AND XXXX loans, these " defaulted '' loans were supposed to be included as well. 

I was told that they were opening a " research ticket '' and would call me back in XXXX hours. This was on XX/XX/XXXX. My credit keeps dropping. 

Essentially this is what is happening : XXXX XXXXXXXX Pay with no credit back or contact XXXX XXXX Not our fault or file anymore- cant help you- but this should not have happened to you. 

It has been 2 months now, and NO XXXX is helping me. I am alone in the state of XXXX no family and single. What's most important is a credit score, and as of right now, I have a poor rating after working so hard- and no one is helping, and im at rock bottom with options. PLEASE HELP ME I have proof of ALL complaints, letters, emails, phone calls. I can submit at any time to you for proof. 


-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IL

Complaint narrative:
I the consumer XXXX XXXX received a text message from Unifin debt collector XXXX XXXX regarding an outstanding balance which is an alleged debt. I dont have a contract with this company this company shouldnt have my personal information this is an invasion of privacy. ( PII Violation ) PII violations are illegal and often involves fraud such as identity theft. This violation violates date privacy laws and security protocols. UNIFIN DEBT COLLECTION does not have any signed documents with my signature pertaining to a contract or any form of business with them. According to the FCRA DEBT COLLECTOR can violate the FCRA by reporting inaccurate or outdated information, mixing files, failing to follow dispute procedures which lead to legal consequences. Also a debt collector may NOT apply a payment to a debt the consumer does not owe. I need a validation of debt, any signed contracts I have with UNIFIN because who gives them the right to contact me on my personal number and ask for an alleged debt, and says I owe them. This is a violation and its against the law its also a violation. UNIFIN is violating the FDCPA, Common violations such as misleading information, unfair practices, also statutory damages which can be up to {$1000.00} per violation. FDCPA The fair debt collection practices act codified as 15 U.S code 1692 governs debt collection practices and prohibits debt collectors from using unfair or deceptive practices when collecting debt. 

However this alleged debt should NOT be reporting to no credit reporting agency as its not validated debt, and I have not been issued a notice XXXX  days within it being added to my consumer reports such as XXXX, XXXX, AND XXXX if so this is another violation to each credit agency. it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AS

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 explanation
Consumer complaint received 2025-03-26 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: AS

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 non-monetary relief
Consumer complaint received 2025-03-26 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-26 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:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 


As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 



The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 



I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX/ XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I noticed odd pending charges. I notified Wells Fargo immediately by calling and reporting the activity. I found 60+ charges that were all similar going back to XX/XX/XXXX. 

Well Fargo is advising me that I didnt notify them of the disputed charges within the required timeframe. They go on to state that their Deposit Account Agreement explains that I must notify them of a problem or error no later than 60 days after they send the account statement showing the error. 

I notified them on XX/XX/XXXX, when i noticed the the transactions. If I go back 60 days from that date, that puts me at XX/XX/XXXX XXXX.During that time from XX/XX/XXXX to XX/XX/XXXX there are ( 41 ) total fraudulent transactions. Only ( 15 ) of the transactions are from before XX/XX/XXXX. 

How can they deny ( 41 ) of the charges that fall within thier 60 day policy, on the grounds that I didnt notify them within the timeframe they have outlined, when clearly I didnt notify them within that timeframe. 

They cant even tell me which company took my funds. I have absolutely no recourse and ive requested this be escalated and have not received a call from anyone about XXXX XXXX. 

This is 100 % robbery and Wells Fargo is clearly trying to protect themselves, not their customer. 

I need some serious help!

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 2025-03-26 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-26 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation