vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX CARD  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-05 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: CA

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 XXXX. 

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 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 2025-06-05 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: CA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX : XXXX VIA XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

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 2025-06-05 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: CA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX : XXXX VIA XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

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 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Issue : I am filing a complaint against the Default Resolution Group regarding inaccurate and conflicting information about my XXXX XXXX XXXX balance and repayment status. I was told my loan was in default, despite filing bankruptcy in XXXX and not receiving any offsets or notifications since XXXX. The representative could not explain the balance or provide clear options, and when I asked further questions, she hung up on me. 

History : I have never received proper communication regarding loan status updates. My online account lists multiple conflicting default entries, and the balance presented is not accurate. I attempted to ask about XXXX XXXX options and was told they are no longer available, which contradicts current Department of Education guidelines. I have been given no fair opportunity to rehabilitate or consolidate the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

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 2025-06-05 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
In early XXXX, I discovered that my educational records, FAFSA data, and IRS tax transcripts were accessed without my knowledge or consent. These records are legally protected under FERPA and Title IV. I believe this unauthorized access was linked to either the XXXX Department of Education or affiliated entities such as the Department of Governmental Entities ( XXXX ), or a contracted loan servicer. 

This breach of sensitive data raises serious concerns about identity theft, financial fraud, and the integrity of my XXXX XXXX obligations. I did not authorize the release of this information, and I was not informed of any breach or given the opportunity to protect my information. 

I attempted to address this issue by contacting the Department of Education directly in XX/XX/XXXX and requested an investigation, loan discharge, and removal of the accounts from my credit report. As of today, I have received no resolution or acknowledgment of these requests. 

I am disputing the validity of the student loans due to this breach of my privacy and federal rights. I am requesting that these loans be discharged and permanently removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX 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 2025-06-05 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:
This notice is to inform you that EQUIFAX unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In XX/XX/year>, GI Bill education benefit funds ( {$1100.00} ) were mistakenly deposited into my savings account at [ Bank Name ], which had been set to deposits only status due to internal delinquencies. The account was already restricted at the time of the deposit.

The bank has not released the funds, has not applied them to any specific debt, and has not returned them to the VA. They have instead held the money in the account for over 18 months without any legal seizure order or garnishment, and have instructed me to contact the depositor to recover the funds. These were federal education benefits meant for my living expenses as a veteran, and I believe the banks continued retention of these protected funds is improper and possibly unlawful. 

I am requesting that the bank either : Release the funds Return them to the XXXX XXXX XXXX  XXXX XXXX Or provide a clear legal basis for retaining them Im also requesting CFPB assistance to compel a proper resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
I submitted a complaint to Equifax on XX/XX/XXXX. They did not investigate or validate my complaint. This inquiry is not mine, and I want it removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>025 Please refer to the documents I have attached. I received a letter from Equifax asking for documents that I had already submitted with the complaint I filed I XX/XX/XXXX. I am resubmitting documents again. 
Identity Theft Report Address Verification Personal Identification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: IL

Complaint narrative:
Verification of Debt Request Re : Acct # : Amount in dispute : {$3200.00} Dear Tek-Collect inc , I am reaching out to you about the debt you are trying to collect. You havent contacted me at all. This letter is being sent to you pursuant to the fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt The name of the or to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, of any portion thereof, the debt will be assumed to be valid by the debt A statement upon it the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: OK

Complaint narrative:
Continuous and non-stop calls from XXXX, XXXX search shows this is Gulf Coast Collection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXE Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX. Also the following inquiries were unauthorized XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief