vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
I have reported multiple times of things that were reported without my authorization and requested those accounts to be removed. They still remain on my report without proof of substantiated validation. I demand all negative inquiry accounts reported to be removed within 10 days of this notice to prevent further litigation. In addition, according to Title 18 U.S.Codes, I can't possibly owe any debt. Thus, violating my consumer right to privacy pursuit to Title 15 USC 1681 ( b ) ( 2 ), and Title 15 USC 1681 ( 4 ).

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 2025-02-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-17 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: TX

Complaint narrative:
I been send information to Equifax about my social security number and my address I been in this residence for about XXXX XXXX XXXX XXXX XXXX but for more information that I send is like they already make their mind and never take their time to investigate or too busy! Im just hoping if the complaint coming from you they would take their time to really investigate thanks!

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 2025-02-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I request the immediate removal of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to access loans and secure credit. Furthermore, I kindly ask that you provide any documentation or confirmation regarding the resolution of 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I request the immediate removal of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to access loans and secure credit. Furthermore, I kindly ask that you provide any documentation or confirmation regarding the resolution of 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-17 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: MI

Complaint narrative:
I request the immediate removal of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to access loans and secure credit. Furthermore, I kindly ask that you provide any documentation or confirmation regarding the resolution of 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 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 2025-02-17 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: CO

Complaint narrative:
Hard inquiries 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-17 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: TX

Complaint narrative:
violation of fair credit act reporting incorrect info on report

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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Please remove collection account from all XXXX credit bureaus per 15USC 1692c ( c ). Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Details of the Complaint : On XX/XX/year>, I sent a formal dispute letter via certified mail to Experian, Equifax, and TransUnion, disputing a fraudulent account reported by XXXX XXXX  XXXX XXXX Account Ending in XXXX ) due to unauthorized charges resulting from identity theft. In my dispute, I demanded : XXXX. The immediate and permanent removal of this fraudulent account from my credit file. 
XXXX. That this fraudulent account be permanently blocked from being reported again by XXXXXXXX XXXX  XXXX or any other creditors.

3. That all negative reporting associated with this fraudulent account be removed. 
XXXX. That the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by properly marking this account as in dispute until their investigation is complete. 
Failure to Acknowledge or Take Action on My Dispute Despite my certified mail dispute being delivered on XX/XX/year>, I have not received any acknowledgment, response, or confirmation from any of the credit reporting agencies. 
Furthermore, they have failed to mark the account as in dispute as required under the FCRA ( 15 U.S.C. 1681i ( c ) ).

Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days and notify me of their findings. They have failed to acknowledge or take any action on my dispute, which is a violation of my consumer rights.

Additionally, under 15 U.S.C. 1681i ( c ), when a consumer disputes an account, the credit bureau must mark the account as in dispute while their investigation is ongoing. As of XX/XX/year>, this account remains on my credit report without any notation that it is disputed, further violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
Details of the Complaint : On XX/XX/year>, I sent a formal dispute letter via certified mail to Experian, Equifax, and TransUnion, disputing a fraudulent account reported by XXXX XXXX  XXXX XXXX Account Ending in XXXX ) due to unauthorized charges resulting from identity theft. In my dispute, I demanded : XXXX. The immediate and permanent removal of this fraudulent account from my credit file. 
XXXX. That this fraudulent account be permanently blocked from being reported again by XXXXXXXX XXXX  XXXX or any other creditors.

3. That all negative reporting associated with this fraudulent account be removed. 
XXXX. That the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by properly marking this account as in dispute until their investigation is complete. 
Failure to Acknowledge or Take Action on My Dispute Despite my certified mail dispute being delivered on XX/XX/year>, I have not received any acknowledgment, response, or confirmation from any of the credit reporting agencies. 
Furthermore, they have failed to mark the account as in dispute as required under the FCRA ( 15 U.S.C. 1681i ( c ) ).

Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days and notify me of their findings. They have failed to acknowledge or take any action on my dispute, which is a violation of my consumer rights.

Additionally, under 15 U.S.C. 1681i ( c ), when a consumer disputes an account, the credit bureau must mark the account as in dispute while their investigation is ongoing. As of XX/XX/year>, this account remains on my credit report without any notation that it is disputed, further violating my rights.

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 2025-02-17 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: FL

Complaint narrative:
I requested several accounts to be removed due to them being charged off. 
Nothing was done.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$1400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$1400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-17 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-02-17 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I XXXX  my XXXX XXXX  into a XXXX XXXX in XX/XX/XXXX and was under the XXXX XXXX XXXX XXXX. In XX/XX/XXXX I switched to the XXXX program and have been on that program since. 

During XXXX there was interest being charged to my loan that has not been waived yet. During the payment period of XXXX, interest not covered by my payments was supposed to be waived and never was. I contacted AidVantage about this several times using their " Contact US '' option and each time was told XXXX XXXX XXXX is keeping track of the interest to be waived, and will do so at a later date ''. This contradicts the XXXX XXXX XXXX statements, and Aidvantage has yet to waive that interest. 

I was placed in the XXXX interest XXXX admin XXXX in XX/XX/XXXX. In XX/XX/XXXX I received a notice that my XXXX  program was coming up for recertification, due XX/XX/XXXX, so on XX/XX/XXXX I recertified online on XXXX 's website the day the online process was opened back up. I received a notice from Aidvantage on XX/XX/XXXX that they received my recertification from XXXX. That same day, they placed me on an interest bearing 60 day XXXX, which is not supposed to occur per XXXX XXXX XXXX guidelines. I was not applying for a XXXX I was recertifying my existing one. 

On XX/XX/XXXX I received a letter from Aidvantage that the XXXX XXXX XXXX extended all recertifications out a year, so my next recertification wasn't due until XX/XX/XXXX. My XXXX program was good through XX/XX/XXXX, which is why the recert date was XX/XX/XXXX. 

I emailed Aidvantage several times asking why I was accruing interest when I only recertified, and the recert was extended a year XXXX days before it was due ( XX/XX/XXXX ) and approximately 45 days before my current payment plan was up XX/XX/XXXX ). On XX/XX/XXXX they placed me on another 60 day admin XXXX, and when I asked them why when I didn't apply for any XXXX, they stated they were instructed to do so by the XXXX XXXX XXXX 

On XX/XX/XXXX they finally removed me from the interest accruing XXXX  and placed me back onto the XXXX interest XXXX  admin XXXX. This was the date XXXX XXXX XXXX sent out their updated notice that the XXXX XXXX was extended until at least XXXX XXXX. I again asked them to waive all the interest, and they told me that they removed me from it XX/XX/XXXX not XX/XX/XXXX, and didn't address my request to waive the interest. Sometime between XX/XX/XXXX and XX/XX/XXXX they added additional interest to my account out of now where, even though the loan still states 0.00 %, and there was no transaction history. The total balance went up {$190.00} across the two direct loans.

Company response to consumer: Closed with explanation