vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unverifiable items on my credit report, as detailed in the accompanying documentation. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable investigation and correct or remove any inaccurate information. Furthermore, under FCRA Section 1681e ( b ), I am entitled to a credit report that is accurate and reflects only verified information.

Additionally, I assert that the Fair Debt Collection Practices Act ( FDCPA ), under Section 1692e, has been violated by continuing to report inaccurate and unverifiable data, which constitutes an unfair and deceptive practice. 

I have made previous written requests to have these items removed or corrected, but no substantial action has been taken. As a result, my credit report contains false entries, including data relating to fraud and identity theft, and I demand an immediate update and rapid rescore of my credit report to reflect the accurate status of my credit history. 

Failure to comply with this demand will leave me no choice but to pursue legal action, including litigation for violations of consumer rights and failure to adhere to the FCRA and FDCPA. 

Please consider this my formal request for a thorough investigation and the removal of the disputed items. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: PA

Complaint narrative:
I have received XXXX  through XXXX XXXX XXXX around XXXX. While the XXXX  were somewhat working, my dentist told me that I shouldn't have been on them because of my XXXX  XXXX. She told me that XXXX was a horrible company and their dentist should've known by my XXXX scan that I shouldn't have been eligible. Not only that, they were hurting my teeth since they didn't fit properly most times and had to get refitted. After the bankruptcy, XXXX was taking out payments from my card and I called my bank to stop payments. Only because, I want to receive proof from the legal successor of a new creditor. XXXX is not the new buyer and still sent me to collections. I received emails, multiple calls from Tekcollect ( with different numbers ) and no one called or answered my emails back. I called both today XXXX to resolve at first, but now I want documents proving there's a new buyer of the contract and XXXX. Otherwise, they have no right to send me to collections after a company goes bankrupt. I will respectfully pay if these are provided.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
On XXXX XX/XX/year>, I wrote to the U.S. Department of Education ( DOE ) to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS XXXX XXXX by DOE and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The breach constituted a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

When I had discovered that my sensitive and legally protected records were accessed and potentially shared without my consent, I was outraged. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violated my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raised serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demanded the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 

XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

If my demands were not met within 30 days, I would be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

As of XXXX XX/XX/year>, I have not received any communication addressing any of these concerns, from DOE

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a credit card from XXXX XXXX and Barclays Bank that i never used. They charged me a membership fee on that card which lapsed my attention. I called them and wanted to cancel/terminate the card and pay the fee. They said they waive the fee and cancel the card. That is what they did. They booked a credit of XXXX XXXX to that card in my favor. Nevertheless they filed a negative credit report against me even though they assured me on the phone that the matter will not be registered anywhere. 

I called them today but they were not willing to resolve the issue and rescind the negative credit reporting. They asked me to file a complaint to their office, which i did, My letter and documents are downloaded below.

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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was a victim of identity theft, I had bank accounts at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX open fraudulently. I notified US BANK in XXXX of XXXX and I have not received any information regarding my concerns. I also sent copies of the police report and letters from the previous banks showing the identity theft in XXXX and I still have yet to hear from anyone at US BANK. On XX/XX/XXXX I refiled my claim, the denied my claim, the person at the intake center said it was denied due to it was a duplicate account. I want to resolve this I have being waiting for 6 months to have this matter resolved. 

Best, 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 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Hello, I'm currently on the SAVE repayment plan that's been placed on forbearance status. I was told by Mohela that the loan would not be accruing interest but when I checked the interest rate is still 6.125 %. I've asked Mohela multiple times to change the rate to 0 % but they have not done anything to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Closed

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Disputing a Fraudulent Account Due to Identity Theft Complaint Details : I am a victim of identity theft, and my personal information was stolen and compromised. As a result, a fraudulent account has appeared on my credit report. 

Fraudulent Account Details : Creditor : Capital One Account Number : XXXX Type : Credit Card Date Opened : XX/XX/year> Responsibility : Individual Balance : {$0.00} I did not authorize, open, or use this account in any way. I have already filed an identity theft report and formally disputed this fraudulent account with the credit bureaus, but it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following are fraudulent inquires that need to be removed from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) and XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/year> ). I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NH

Complaint narrative:
My Loan servicer is Ed Financial. 

As of their own Billing Statement dated XX/XX/2025 ( which I downloaded and printed ) my account balance was {$15000.00}. This is a subsidized loan and I was making payments as I could. 

I also had an unsubsidized loan which was paid-off as of the XX/XX/XXXX Billing Statement ( the Billing Statement only shows One loan open -- the unsubsidized loan ).

As of their own Billing Statement dated XX/XX/2025, my loan balance had increased to {$20000.00}. Also, this Billing Statement shows Two loans open ( One Subsidized and One unsubsidized ). 

I have not been in any school or college of any kind for about the last 10 years or so, and I have not taken any new loans out during the past 10 yeas or so.

So how could my balance have increased?

Ed Finacial 's own website on my account shows in the Account History that about 10-13 " Reverse Payments '' were made on my account. 

None of these " Reverse Payments '' went into my personal checking account ( I only used one checking account to make any and all of my Student Loan payments ).

When the " Reverse Payments '' were applied to my Ed Financial account, my payments were removed from my Account and Account History.

This made it appear those payments were not received and thus made my Account balance increase as if those payments were not made. 

Once again, I made all the payments described and I never asked for, initiated, opted for, or made any option whatsoever for these " Reverse Payments. '' ( I didn't even know there was such a thing as " Reverse Payments. '' ) So, now it appears I never made the payments described even though I did pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NV

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Unit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : 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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2 . My Address : XXXX Rue XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX 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 XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX  XXXX Sincerely, XXXX 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 2025-03-25 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX **these accounts is past the stature of reporting date and needs to be removed. all Dept XXXX  by law is past reporting date and thus far is removal** XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX  Date Opened XX/XX/XXXX Balance {$640.00} XXXX  Date Opened XX/XX/XXXX Balance {$730.00} Capital XXXX Balance # XXXX Date Opened XX/XX/XXXX **Inquiries** XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX 2024

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I open this XXXX XXXX XXXX account with Concora credit months ago and have never received the card from it. Four separate occasions now over these last few months I have talked to them, told them what was going on and he told me that they would send me a new one with the new issue as to why it wasn't sent to me already each time. And as I'm waiting still for this new card, I'm being charged interest, maintenance fees and interest on those fees while there is no card that has even been activated on the account yet - as well as the annual fees, plus interest on those too And all without ever receiving the card wherever have receiving a card from them in the first place at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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