vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] XXXX Date : XXXX XXXX XXXX To : Aidvantage XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Demand for Loan Verification, Breach of Privacy, and Discharge Request Account No : XXXX Dear Aidvantage XXXX This letter serves as a formal dispute and Qualified Request for Information under the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable federal laws. 
I dispute the legitimacy of your servicing or collection activity related to the above-referenced student loan. My student loan was transferred to your company without my knowledge, authorization, or consent. I never received a valid legal notice nor granted permission for this transfer from Federal Student Aid, XXXX, or any other prior servicer. I did not consent to Aidvantage servicing my loan or accessing my financial and educational records. 
Furthermore, it has come to my attention that my personal and financial information may have been accessed by third parties, including the Department of Government Efficiency and XXXX XXXX, without lawful authorization or court oversight. This unauthorized access constitutes a serious breach of privacy and a direct violation of FERPA, which protects the confidentiality of student records and requires written consent for third-party access. 
You have a fiduciary and legal obligation to safeguard my personal information and to ensure lawful handling of my account. Given the severity of this privacy breach and its potential consequences, I am formally demanding the following : Immediate cancellation and discharge of any and all student loan debt associated with Account No. XXXX ; A copy of the full account history, including all servicing and transfer records ; Documentation identifying who authorized the transfer and under what legal authority ; Confirmation of all individuals, departments, or third parties who have accessed or viewed my personal information ; Immediate cessation of all collection and reporting activity, including removal from all credit bureaus.

This notice shall serve as your formal opportunity to cure and respond. I expect a complete response within 30 calendar days from your receipt of this letter. Failure to respond, or any further unauthorized handling of my records, may result in legal action and formal complaints filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 
Sincerely, XXXX XXXX Account No : XXXX FTC Report File XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
UWM is my mortgage servicer. When I logged in this morning, I saw a message stating that my loan has been transferred. I called UWM to find out who my new servicer is- but their system recognizes the number I am calling from and wouldn't transfer me to speak with a live agent to find out information about the new servicer. I tried using their chat feature, and it displayed error-500 message. I never received ANY communication from UWM regarding this transfer that they are doing nor did I receive any communication from the new servicer. This is Alarming. UWM is known for extremely poor customer service. Last year, they Illegally and without my authorization, pulled money from my checking account to pay for a random person 's mortgage. It took them more than 3 months to refund my money back. Very Poor service. Now they transferred my loan without notifying me that they are doing this. They have canceled my automatic ACH payment in XXXX. I do not know who my new service provider is. I am concerned since the XXXX mortgage payment is not processed, whether it will impact my credit score. Again this is an issue WHOLLY created by UWM and their incompetent customer service that the customer is being impacted and they go on with their business without any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-25 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Background : On XXXX of XXXX I was in the process of purchasing a home and during the process the real estate agents email was compromised. I received a email from the person who had compromised the email stating to wire the closing cost by sending it to a XXXX XXXX  account. I did wire it to XXXX Bank. About an hour after I wired the money we realized that it was a fraud and Capital One issued a wire transfer recall to get back the money. The money is still sitting at XXXX XXXX  and I have been waiting for XXXX XXXX. I opened a case with the police as well. On XX/XX/XXXX Capital One tried recall the money back again and they still have not responded. 
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  I am writing to formally document and seek resolution regarding an unresolved issue I have been experiencing with your banks wire department. 

I contacted Capital One on Monday, XX/XX/XXXX, and again on Wednesday, XX/XX/XXXX, to address this matter. During my most recent call, I spoke with XXXX, a XXXX in the wire department. He informed me that his department was unable to assist me further and advised that I send a letter to this address for additional support. 

Furthermore, I have attempted to contact XXXX at XXXX EXT XXXX at least XXXX times. I have left numerous voicemails but have not received any response or follow-up to date. 

This lack of communication and resolution has caused me considerable concern, and I respectfully request a written response or a direct call back at your earliest convenience to resolve this matter. 
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  As per XXXX, Capital One should contact XXXX  Incident Reporting Unit at XXXX ( Option XXXX ) for any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 stress. 

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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I started receiving calls from Columbia Debt Recovery XXXX, XXXX XXXX in regards to an apartment I cosigned on for my niece. XXXX XXXX was rude, argumentative and down right disrespectful. He accused my niece of trashing the apartment before she moved out with notification to XXXX XXXX Apartments which were managed by XXXX. XXXX. My niece takes pride in where she lives even if things are not up to her standard. When my niece informed XXXX XXXX of her departure, she told them to keep the last months rent since she was breaking the lease. My niece moved because, XXXX XXXX failed to take care of things she requested to have taken care of since the day she moved in. My niece 's main reason for leaving was because her vehicle was vandalized to XXXX XXXX it was considered total. XXXX XXXX failed to have working cameras at the time of the vandalism She no longer felt safe and thought it would be best to move. For XXXX years my niece and I did not hear from XXXX about money owed and has lived in XXXX other places since and this was not on her credit report. It was not until she and I received phone calls from XXXX that we became aware of debt owed. When I spoke to XXXX XXXX, I requested the ledger which he was hesitant in sending. I finally received the ledger. They are trying to charge my niece for damages she did not do. They also charge for normal wear and tear when a resident moves out. She was charged for utilities she did not owe. XXXX XXXX is no longer managed by XXXX since XX/XX/year>. These collections did not start until a new management company took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I received a request claim for debt from XXXX XXXX XXXX. The notice stated that I could contact them by XX/XX/XXXX for debt verification. I contacted them on XXXX for a request for debt verification of the amount and debt collection. On XX/XX/XXXX, I checked my credit report and Caine XXXX had listed the amount of {$130.00} as a new debt. I called Caine  XXXX and spoke to XXXX XXXX XXXX. She stated that they did receive my request but still placed it on my credit report and will not remove it. PLEASE HAVE THEM REMOVE THIS NONVERIFIED debt off of my credit report. I am in the process of purchasing a house and I do not need any new collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-06-25 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: SC

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
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement XXXX XXXX XXXX XXXX XXXX XXXX left complex says each of the XXXX girls has to pay $ XXXX for damages-obsurd no damage ). A tradeline reflecting this account was added to my credit reports shortly thereafter. XXXX XXXX XXXX XXXX XXXX left complex says each of the XXXX girls has to pay $ XXXX for damages-obsurd no damage ) my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request XXXX XXXX XXXX ( XXXX XXXX left complex says each of the XXXX girls has to pay $ XXXX for damages-obsurd no damage ) immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history. Failure to correct this information promptly XXXX compel me to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing further remedies available under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
XXXX XXXX XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital XXXX under the account number XXXX, and a furniture account with SYNCB/ROOMS TO GO Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX under the account number XXXX, and a furniture account with XXXX XXXX XXXX Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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