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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit 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 non-monetary relief
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: MOHELA
State: KY

Complaint narrative:
Doge and XXXX XXXX  unlawfully accessed private records through the dept of education violating my privacy. I believe all my student loans should there in be wiped out. I did not give DOGE or XXXX XXXX  the right to access my private information.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding an accurate items on my credit report. Despite my efforts to resolve this directly with the reported agencies, it has remained unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history. 

These are the accounts listed below : 1 ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX acct # XXXX 4 ) XXXX resource management acct # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX 6 ) XXXXXXXX XXXX  acct # 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 2025-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. All of the accounts under my Derogatory marks are inaccurate and I've filed them as so as well as disputed them multiple times.

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 — Information belongs to someone else
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit systems inc collect {$7200.00} on my credit report since XX/XX/year>, i send a verified mail to them to provide me with The name and address of the creditor to whom the debt is currently owed, theaccount number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of theoriginal creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. They are unable to provide these documents. End they still put me in collection. They should remove the debt in my credit report if they can't verify me they debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
.Earlier today, I received a call from the number XXXX, claiming to be from the Citibank Fraud Department XXXX The caller informed me that there were two charges made in XXXX, Wisconsin, totaling {$800.00} and {$200.00}. I explained that these charges were not made by me, as I did not have sufficient funds in my account. Despite the caller 's attempts to obtain my personal information, I refrained from sharing any details, having already been a victim of fraud in the past.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXccount number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$100.00} past due as of XX/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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and i am filing a complaint about Citi Bank. They have froze my account as they say but when I found out about my account they told me that they were closing it. I get direct deposit on my pension and on my social security disability every month. That is what I live on. Citi Bank is holding my 2 checks in an account that is frozen and they have started procedures to close the account. The day that the checks should be in the account are by the 3rd of every month. I noticed that they were not showing up on my mobile app so thats when I went in to the branch of Citi Bank and they proceeded to tell me that I no longer can get direct deposits, no using the ATM machine any more pretty much im band from the bank. Come to find out that both of my checks got deposited into the account at Citi Bank and sense Ineed those checks to pay my rent and for food and bills I asked if there was any way that they could decrease the holding time on these checks because I need to pay bills and buy food pay my rent and so on. They said they could not and that I have to wait 30 to 60 days before they will let me have the money.so Citi Bank has now made me homeless and no food because they cant understand that I depend on that money every month. I will be talking with my family and they are going to be hiring a lawyer and start procedures on suing Citi Bank. It is sad that no one has a heart these days. so i will be homeless and with out food by the weekend. I hope Citi Bank feels good about what they have done to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Dear [ Department of Education or Loan Servicer Representative ], I am writing to formally submit a complaint regarding a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Protection of Pupil Rights Amendment ( PPRA ). I have reason to believe that my protected student information was accessed, shared, or misused without my consent, in violation of federal law.

Given the severity of this violation, I am requesting a full investigation into the matter and, if confirmed, the appropriate corrective action, including but not limited to the cancellation of my federal student loans. I have attached the necessary FERPA and PPRA forms for your review.

Please confirm receipt of this request and inform me of the next steps in this process. I appreciate your time and attention to this matter and look forward to your response. 

Best regards, 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: 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: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

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 — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Miguel A. Maza & Associates, PSC
State: PR

Complaint narrative:
XXXX XXXX XXXX, XXXX and Miguel A. Maza and associates, XXXX. Illegaly are trying to collect a debt without debt collection lisence on XXXX XXXX. 

I want XXXX XXXX XXXX, XXXX to return the debt to the creditor.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc.
State: NH

Complaint narrative:
I received a collection notice from First Collection Services ( FCS ) regarding a debt that I had filed a complaint about in 2023. It was filed against XXXX XXXXXXXX XXXX for unfair NSF & Late fees I was charged for by XXXX XXXXXXXX XXXX. I have not heard back on this complaint, and I now have XXXX demanding payment from me, although they have not provided a complete list of those charges. I wish to renew my complaint against XXXX XXXXXXXX XXXX  as well as XXXX. I do not wish to bothered by either, and want this demand dropped.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding potential or reported data breaches involving student loan information managed by the U.S. Department of Education and its contracted loan servicers. As a borrower [ or concerned citizen ], I am deeply troubled by the security of sensitive financial and personal data, as well as the potential risks posed to millions of borrowers due to unauthorized access or cyberattacks.

Given the CFPBs role in overseeing financial institutions and protecting consumers, I would like to request : 1. Clarification on Any Recent Data Breaches Have there been any confirmed data breaches affecting federal student loan borrowers? If so, what steps have been taken to mitigate the impact on affected individuals?

2. Consumer Protection Measures What actions is the CFPB taking to ensure that student loan servicers and the Department of Education comply with strict data security standards?

3. Borrower Recourse and Support In the event of a data breach, what protections or remedies are available to affected borrowers, including identity theft protections or fraud monitoring? 

I believe it is critical to ensure transparency and accountability regarding the handling of student loan data, particularly as borrowers entrust federal agencies and servicers with their most sensitive information. I would appreciate a prompt response addressing these concerns, as well as any guidance on how borrowers can safeguard their information. 

Thank you for your time and attention to this matter. I look forward to your response.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX. 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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX. 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 2025-03-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief