vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NCB Management Services Inc.
State: IN

Complaint narrative:
XXXX continues to allow the same creditors to be added to my report after being advised by CFPB per police report in XXXX ( police report attached to initial complaint ). 
It seems that they continue to conduct sham investigations that fail to properly address my complaint and improperly reinsert inaccurate information this time lowering my credit score XXXX points. 
NCB Management Services {$5700.00} was added AGAIN. 
A debt collector violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) by reporting an old debt that the consumer proves is not theirs to credit reporting agencies would be in violation of the Act 's provisions against false, deceptive, or misleading representations ( 15 U.S.C. 1692e ) I have taken steps to protect my identity since this began.

NOW NCB Management has gone the extra mile and filed XXXX XXXX XXXX ( Collections ) with the government AFTER being advised by CFPB to back off. I am being harassed and now threatened by this debt collector for a debt I do not owe. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. Specifically, 15 U.S.C. 1692d outlines this prohibition, and 1006.14 of the Consumer Financial Protection Bureau 's rules implements it. 
XXXX failed to protect my credit report. 

XXXX failed to protect my credit report too. I ask that XXXX XXXX  be removed for the same reasons. Police report on file Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have medical collections on my credit report that were to be covered by XXXX. These are not allowing me to get a home loan.

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 2025-04-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
Someone hacked my card and charged like XXXX times online and then they locked my card rightfully so. I filed a dispute for the amounts in question and they said they would email me. I signed the documents right away and that was that. I called and asked about them refunding me and they said it can take XXXX  months. I find that unacceptable. I got the card for a clinical trial payment and would like to use the funds I worked for. They dont have good business practices and are rude and dodgy but more technically they are not information forward. My dispute case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I discovered several unauthorized accounts and loans in my name that I do not recognize. Specifically, there are three XXXX XXXX originating from the same lender, XXXX, amounting to {$2000.00}, {$3500.00}, and {$4000.00}, which I have no knowledge of and did not consent to.

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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered several unauthorized accounts and loans in my name that I do not recognize. Specifically, there are three XXXX XXXX  originating from the same lender, XXXX, amounting to {$2000.00}, {$3500.00}, and {$4000.00}, which I have no knowledge of and did not consent to.

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 2025-04-12 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: TX

Complaint narrative:
I discovered several unauthorized accounts and loans in my name that I do not recognize. Specifically, there are three XXXX XXXX  originating from the same lender, XXXX, amounting to {$2000.00}, {$3500.00}, and {$4000.00}, which I have no knowledge of and did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
the debt that is in question was discharged by the original creditor and i never signed any agreement with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ... i informed them to show me proof that i signed and agree to any contract that i owe them any kind of money. they did not, forward any proof of my signature of any paperwork. they were informed a few times off and on, so now they want to summon me on no proof status. the name in question is XXXX XXXX which is my given name under government name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/year>, I received 90 days late on my Mohela student loan account. I am in forbearance and enrolled in school since XXXX. This is false reporting, and I want it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 



Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Equifax failed to remove all inquiries and phone numbers and old addresses, Accounts that Is not my credit Accounts open my 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 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against my student loan servicer/lender for violations of the Family Educational Rights and Privacy Act ( FERPA ) , as well as a serious breach of my personal data and educational records. These violations have resulted in unauthorized disclosure, mishandling, and/or exposure of sensitive information without my knowledge or consent.

Specifically, I have reason to believe that my educational and personally identifiable information ( PII ) protected under FERPA was accessed, disclosed, or compromised in a manner that directly violates federal law. This breach has caused me emotional distress, loss of trust, and potential long-term harm to my financial and personal privacy.

In addition to the FERPA violations, there appears to have been a data breach involving my student loan records, which may have allowed unauthorized third parties to access or misuse my personal information, including my Social Security number, financial data, and educational records.

Due to the severity of these violations, I am formally requesting the following : Immediate discharge and full withdrawal of the student loan associated with the affected account ( s ).

Permanent removal of all related loan data from any consumer credit reports or databases where it has been reported.

A complete audit and written explanation of how my information was handled, disclosed, and/or breached.

Confirmation that all records and data shared or distributed in violation of FERPA have been destroyed or secured. 
These actions are necessary to remediate the violation of my rights and ensure no further harm is done. 

Please consider this an urgent request for CFPB review and enforcement action and assist in ensuring that the responsible parties are held fully accountable for the breach and mishandling of my private data. 

Thank you for your time and support in addressing this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am writing a fraudulent Capital One Quicksilver secured credit card account that was opened in my name without my authorization. Despite reporting this fraud, I was informed that Capital one investigation concluded that I was responsible for the charges. I strongly disagree with this determination and am requesting an immediate reconsideration of my case. To clarify, I did not open this secured credit card account, nor did I fund it with the alleged {$1000.00} deposit. Furthermore, the checking account of XXXX XXXXXXXX XXXX Association Acct # ending in XXXX linked to this credit card is not mine, the only checking Account in my name is the only account I have that I linked to the Account today XX/XX/XXXX XXXX is XXXX XXXX XXXX XXXX and I have no association with the XXXXXXXX XXXX XXXXXXXX and I have no idea who that belongs too Based on the fraudulent activity, it appears that the perpetrator deposited {$1000.00} from this unauthorized checking account, made two purchases of {$500.00} each, and then had the initial {$1000.00} deposit returned-leaving me with an unjustified {$1000.00} balance to pay. I am a victim of identity theft, and I should not be held responsible for this fraudulent account or the charges associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
In XXXX, my federal student loans were originally serviced by XXXX XXXX ( XXXX ). These loans were disbursed and accurately reported on my credit report with proper open dates tied to XXXX. For several years, these tradelines supported my credit profile, showing aged credit, on-time payment history, and a consistent account age that positively contributed to my score. 

However, between XX/XX/XXXX and XX/XX/XXXX, multiple student loan tradelines previously reported under XXXX were removed from my credit file and replaced with new tradelines now labeled as serviced by MOHELA/DOFED. 

The issue is as follows : XXXX or more MOHELA/DOFED tradelines were re-added to my credit report with a new " open date '' of XX/XX/XXXX, despite the loans having originated in XXXX. 
A separate MOHELA/DOFED tradeline was added with an open date of XX/XX/XXXX, but was later removed altogether. 

These actions resulted in : Suppression of my credit age Elimination of positive payment history A XXXX drop in my XXXX XXXX despite my history of repayment These changes were not requested by me, nor was I notified of any dispute-related removals that would explain this activity. I did not consolidate my loans or understand what would justify my history being charged so much on a servicer-transferred account.

I believe MOHELAs actions constitute a re-aging of my tradeline, a serious violation of consumer credit protections under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or misleading information to consumer reporting agencies 15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires data furnishers to correct and update previously reported information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibits continued reporting of inaccurate information after being notified by the consumer 15 U.S.C. 1681c ( a ) ( 4 ) Ensures accurate reporting of the " date of first delinquency '' or account open date.

These changes are materially damaging to my credit report and creditworthiness. They appear to be the result of negligent data transfer, reporting error, or deliberate re-aging to appear as new debt which unfairly lowers my score and impacts my financial options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation