vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: AR

Complaint narrative:
XXXX XXXX has obtained extremely sensitive information from my reports and this is a clear violation of my rights and freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made early payments with extra principal and they did not post immediately. I have no idea how many times the mortgage department did this. When you go in person you expect it to be posted that day not several days later.

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 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX I received a call from XXXX XXXX informing me of a balance on a XXXX XXXX Credit card. I did not open up this credit card and began the process of asking each of the Credit Unions for my credit report to understand if I was the victim of a fraud.

Experian has incorrect contact information for me. I realized this when I attempted to log into Experian but website informed me that I was already in the system via the credentials I had to put in such as SS #, etc. 

. I tried to log in and reset the password but the Experian website informed me that the password would be send to either a telephone or an email address. Both the telephone number and email addresses listed as choices were not mine. 

However, I realized that these incorrect email, telephone and mailing address were the same as the individual who opened up in the XXXX XXXX Account in my name. 

Experian has sent me a postcard confirming the Fraud Alert but I am still unable to access the website as my contact information has not changed. It is impossible to speak with an agent.

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 2025-03-13 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: TX

Complaint narrative:
I am writing to notify you of a critical issue regarding my credit report. I have recently become aware that my account shows unauthorized late payments, which I believe are a result of identity theft. As I am in the process of moving into a new home, these erroneous late payments are causing unnecessary hardship and hindering my ability to secure housing. 

The late payments in question were not made by me, and I am the victim of identity theft. I respectfully request that you update my credit report to reflect these payments as " Paid as Agreed, '' or remove them entirely if they can not be verified. 

I have attached the relevant documentation, including a copy of my identity theft report, to assist in the investigation and resolution of this matter. I request that you update my credit report as soon as possible to prevent further delays in my housing process. 

Thank you for your immediate attention to this urgent matter. Please provide written confirmation of the actions taken.

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 2025-03-13 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: FL

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
Someone stole my identity and ran up multiple thousands of dollars on my accounts. I settled all the other accounts no problem and had them remove the fraud, XXXX XXXX card refuses to remedy the situation and will not contact me in regards to it. I filed a fraud report with the government and have proof of that. My credit has dropped over XXXX pts due to this and it is severely affecting my mental health.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
To Whom It May Concern, Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws, my personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt. As a student of the XXXX XXXX XXXX XXXX, I believe my educational records, which are protected by FERPA, have been exposed in a manner that violates my rights to privacy and security. On XX/XX/year>, I was notified that my personal and academic information was part of a data breach that occurred within the institutions systems. This breach has potentially exposed sensitive information, including my grades, class schedule, and other confidential details about my academic history. As a result, I am deeply concerned about the unauthorized access and potential misuse of my information. Under FERPA, educational institutions are required to protect students ' records and ensure their privacy. This breach constitutes a clear violation of my rights, and I request a full investigation into how the breach occurred and what steps are being taken to prevent further incidents. I also request that I be notified of any further developments related to this breach. Thank you for addressing this matter urgently. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank if America took my money ( {$3400.00} ) from my checking account on XX/XX/XXXX without my consent although I talked to them a day before the money was taken that Im gon na fix it after XXXX XXXX XX/XX/XXXX But they took my money from my checking account because my credit card and checking account are from the same company that is Bank of America I need to pay to IRS, my bills and many other recurring payments on or before XXXX XXXX but I couldnt, due to the BOA steeling process.

I called them and explained my situation, they said they cant reverse the payment And now I dont know what to do? Please assist They stole my money and Im broke once again because of Bank of
America Please assist

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXXXXXX XXXX  numerous times to get the actual debt they keep claiming I owe on my credit reports. It has been over 6 months now and they have not provided one document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: FC HoldCo LLC
State: VA

Complaint narrative:
I did not apply for credit or have any dealings with you this company that would require them to pull my credit report. Any inquiries should immediately be removed as it was not authorized and I dont do business with this company in any way!!!

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 2025-03-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I did not apply for credit or have any dealings with you this company that would require them to pull my credit report. Any inquiries should immediately be removed as it was not authorized and I dont do business with this company in any way!!!

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
To the cfpb, I am writing to formally report a serious violation of my privacy involving XXXX XXXX. I have reason to believe that my private data was accessed without my consent through the U.S. Department of Education. This unauthorized access has raised significant concerns regarding my personal security and the improper handling of sensitive financial or educational records.

I respectfully request that the CFPB investigate this matter to determine how my private data was accessed and whether any laws or consumer protections were violated. Furthermore, I seek clarification on what measures will be taken to prevent such breaches in the future.

Additionally, I am requesting that all federal student loans be removed from my credit reports with the three major credit bureaus ( XXXX, XXXX, and XXXX ). Given the unauthorized access to my personal information, I believe this action is necessary to prevent any further misuse or inaccuracies related to my financial records. Please take appropriate steps to ensure that these loans are removed from my credit history and provide confirmation once the corrections have been made. 

Please provide me with any necessary steps I should take to ensure my data remains protected, as well as any updates regarding this complaint as the investigation progresses. You may contact me for any further information.

Thank you for your time and assistance in this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting
agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$330.00} - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX : {$260.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$3200.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting
agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$330.00} - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX : {$260.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$3200.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: GA

Complaint narrative:
I logged into my XXXX report and noticed a debt collection account. This is not my account, and I believe I was a victim of identity theft. I emailed the company for more information and verification of the debt to which I have not had a response. I have not received anything in the mail or my email regarding this debt, therefore I know it is not mine and not validated. So thanks to this company, my credit report has a hit from a company Ive never had any relations with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citi bank account, my account was out on hold 4 times. I was told to wait for a letter with a reference number. I provided it and they restored access. However come the 4th time i have not been able to gain access for over 30 days now. Im told that only 1 of many fraud departments can handle it im told its account under review and told my account is unavailable for servicing that they will be in contact with the account owner. They refuse to speak to provide me info at the branch when we call and in phone call. Meanwhile my money is frozen there

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Pursuant to CFPB Lawsuit Dear Experian, I am writing to formally dispute inaccuracies on my credit report, which I have identified through recent review. I am requesting a thorough investigation of these errors in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I have previously submitted disputes regarding this matter ; however, I continue to find that Experian is not correctly investigating my disputes. The inaccuracies remain unresolved, and this ongoing issue is preventing me from maintaining an accurate credit report. Despite my previous efforts to address this matter, I have not received the appropriate corrections or resolutions, which is a violation of my rights under the FCRA. 

Additionally, I would like to bring to your attention the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit addressed systemic failures on Experians part in properly investigating and resolving consumer disputes, resulting in continued exposure to inaccurate credit reporting for many consumers. This is further proof that my case must be handled with the utmost care and urgency.

In light of this, I request that : You conduct a full investigation into the inaccuracies listed on my report, as required by law. 
You provide me with a detailed explanation of the steps taken to investigate these inaccuracies. 
You remove any incorrect entries that do not comply with the FCRA and reinstate my credit report with accurate information. 
You send me written confirmation that my credit report has been corrected and updated accordingly.

Please treat this letter as a formal request for reinvestigation and correction. I expect to receive a response within the 30-day period as outlined by the FCRA. If these inaccuracies are not corrected or if I do not receive a satisfactory response, I will be forced to take further action, including filing a complaint with the CFPB and seeking legal counsel if necessary. 

Thank you for your attention to this matter. I trust you will address my concerns promptly and thoroughly. Please confirm receipt of this letter and provide a timeline for resolution.

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