vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX PL XXXX XXXX, Wa XXXX XXXX XXXX XX/XX/XXXX Aidvantage ( Servicer of XXXX Subject : Dispute of Fraudulent Activity on Student Loan Account Dear Aidvantage, I am writing to formally dispute fraudulent activity related to my student loan account ( s ). It has come to my attention that there may have been unauthorized actions or discrepancies on my loan, and I am requesting an immediate investigation into the matter.

Loan Account Number ( s ) : Multiple loans accounts which I can not access but are under my name Your Full Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number XXXX Upon reviewing my loan records, I noticed the following issues which I believe are fraudulent : 1.The fraudulent activity or discrepancy, such as unauthorized loans, incorrect loan amounts, unfamiliar charges, and use of Digital Access of Illegal Identification theft and address or not accurate to any places I have stayed and recently have been homeless and had personal belongings stolen and used to take out numerous credit cards, loans and also cash checks digitally using my identity 2. I Have no access and when I try to investigate the loans or find a way to access is show no records of my SSN nor anyway to verify how it was created and I keep receiving emails regarding this loan but can not gain access I have not authorized the loans/charges, and I believe they were taken out without my consent. I request that you immediately investigate the matter and provide me with a full explanation of these charges and the steps you will take to resolve the situation.

Please provide the following documentation : A full and complete record of the loan ( s ) in question, including any applications, supporting documents, and signatures.

An explanation of how the loan ( s ) were disbursed and the communication related to the loan origination.

Details on how the loan ( s ) were processed and what safeguards were in place to prevent fraud.

Additionally, I request that you place a temporary hold on any further activity related to these accounts until the issue is fully resolved. I also request that the fraudulent charges be removed from my credit report and that my account status be corrected immediately.

Please provide a written response within 30 days from the date of this letter to inform me of the steps being taken to resolve the matter. 

Thank you for your prompt attention to this issue. I look forward to your cooperation in addressing this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
Requested immediate removal of unauthorized inquires pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for TransUnion records. Details of unauthorized inquiries on my credit report for removal : 1.Name of Creditor : XXXX XXXX Inquiry Date : XX/XX/year> 2.Name of Creditor : XXXX Inquiry Date : XX/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 non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
all three credit bureaus refuse to remove all inquiries off my report equifax transunion experian refuse to remove all fraud inquiries off my report they all say my police reports are not real

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 2025-03-17 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: CA

Complaint narrative:
all three credit bureaus refuse to remove all inquiries off my report equifax transunion experian refuse to remove all fraud inquiries off my report they all say my police reports are not real

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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am reaching out due to recently being in the process of purchasing a vehicle. As I have pulled my credit report, I have noticed that Possible Financial has charged off account ending in XXXX on all 3 credit reports. I have never received a 1099-c form, can you please go ahead and send this immediately. 


Thank You, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I, XXXX XXXX swear that the information below is identity theft and fraudulent, as a result of Identity Theft, as a result of Equifax Data Breach. The derogatory information reflected in my credit report under my SSN. As a victim of identity theft and the Equifax Data Breach ( Case No. XXXX ), I have been impacted and I am demanding that the items be removed from my credit profile immediately. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I discovered Equifax was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with Equifax, they continue to report erroneously, and the information remains inaccurate, which detrimentally, and adversely affects my creditworthiness. 

I am writing to formally dispute the inaccurate reporting of my federal student loans on my Equifax credit report. According to my most recent credit report, Equifax has incorrectly reported my student loans from the U.S. Department of Education as being discharged under XXXX  XXXX bankruptcy. This information is incorrect. 

The fact is that my federal student loans were discharged through the U.S. Department of Educations Total and Permanent Disability ( TPD ) discharge process. As a result of this discharge, my obligation to repay my Federal Student Aid loans has been fully canceled, independent of any bankruptcy proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
I am currently having an issue where other peoples names and accounts are appearing on my credit report. Most of these accounts are before I even turned XXXX  XXXX  of age except one I have uploaded documents and made phone calls to Equifax to get the issue fixed and it still persist and recently I cant even access my Equifax account because of an XXXX  error and says to call them and mention the error, which Ive done before. I also have proof of these errors. I have a similar issue with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I discovered Innovis was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with Innovis, they continue to report erroneously, and the information remains inaccurate, which detrimentally, and adversely affects my creditworthiness. 

I am writing to formally dispute the inaccurate reporting of federal student loans on my credit report. According to my most recent Innovis credit report, Innovis has incorrectly reported my student loans from the U.S. Department of Education as being discharged under XXXX  XXXX bankruptcy. This information is incorrect. 

The fact is that my federal student loans were XXXX through the U.S. Department of Educations XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge process. As a result of this discharge, my obligation to repay my XXXX XXXX XXXX loans has been fully canceled, independent of any bankruptcy proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
The below items were purchased by a XXXX XXXX XXXX Collector ( xxx ). This account must be deleted as the status and amount are incorrect, and the account was paid for less than owed by the XXXX XXXX XXXX Collector. 
As you can see by my attached credit reports, this information is NOT CORRECT & NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY. 

Here is the account name and number for reference, as well as the incorrect amount. 

XXXX XXXX XXXX # XXXX {$740.00} How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XX/XX/XXXXXXXX on XX/XX/XXXX, under the account number XXXX ; a credit card opened at XX/XX/XXXX XXXX on XX/XX/XXXX, under the account number XXXX ; and an installment loan opened at XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-17 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: NC

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 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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contaips the personalInformaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

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 2025-03-17 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: CA

Complaint narrative:
Account with XXXX XXXX opened on XX/XX/year> Hard inquiry inquired with XXXX XXXXXXXX XXXX on XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Account with XXXX XXXX opened on XX/XX/year> Hard inquiry inquired with XXXX XXXXXXXX XXXX on XX/XX/year>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 2025-03-17 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for their failure to correct or delete inaccurate personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

1 Problem Summary Experian is reporting incorrect personal information, including : Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these errors multiple times, yet Experian has failed to correct or remove the incorrect information as required by law. 

2 Violations of Federal Law Experian is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) Right to access and correct personal file information. 
FCRA Section 611 ( 15 U.S.C. 1681i ) Requires Experian to investigate disputes and correct or delete incorrect data within 30 days. 
FCRA Section 607 ( a ) ( 15 U.S.C. 1681e ( a ) ) Requires credit bureaus to ensure the accuracy of consumer reports. 
FCRA Section 1681n & 1681o If Experians failure is found to be willful or negligent, they may be liable for statutory and actual damages. 
3 My Attempts to Resolve This Issue I have : Requested corrections directly from Experian. 
Provided proper documentation to support my dispute. 
Waited the required 30-day investigation period. 
Received no resolution or correction. 

Despite these efforts, Experian continues to report inaccurate personal data, which is negatively affecting my financial profile and security. 

4 Requested Resolution I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure Experian does the following immediately : 1 Correct or delete all inaccurate personal information. 
2 Provide written confirmation that these errors have been fixed. 
3 Ensure compliance with all FCRA requirements moving forward. 

Failure to take action will result in further legal action against Experian for willful non-compliance. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This account is incorrectly reporting that I have 4 late payments. On my XXXX report there are XXXX late payments being reported. Also the amount owed is incorrect and needs to be corrected and documentations needs to be provided along with statements on the correct amount owed. This is preventing me to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$29.00} XXXX XXXX Balance : {$29.00}

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