vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX and Doge have illegally accessed my account thereby voiding the contract made with my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
My contractual agreement with the Department of Education has been violated by allowing the unauthorized parties, XXXX XXXX and his Doge team, to access my personal information. The safety of my personal and financial information is no longer secure or protected as guaranteed in our agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. 

XXXX XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} Inquiries included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2025-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I opened an account with Sofi Savings using XXXX transferred from my joint checking account I have with my husband. 
On XX/XX/XXXX I did a mobile deposit from a company that I do part time work for from time to time. This company, XXXX XXXX XXXX, is a large construction company who has been in business since 1963 and is in good standing with the better business bureau. ( This is important for later. ) The deposit went through but said a hold would need to be placed on the check, which is understandable with the account being new. 
On XX/XX/XXXX I received a message that my account had been restricted and that I would need to contact SoFi, which I did immediately. I was told that they were closing my account because I was in default, but wouldnt explain why or if I would get my money back and that there wasnt anyone I could talk to about it. 
I called back a second time and was given the same information. 
On XX/XX/XXXX I called again to see when the account would be closed and the money returned since it was still showing open and restricted and was told it was under review and I couldnt talk to anyone. 
On XX/XX/XXXX I received a call that said they couldnt verify that the company the check was drawn on was real. I was driving at the time and was confused. I stated I knew their check had cleared because I asked our accounting depart and the lady I was speaking with said they received the funds but couldnt verify the company. Again, I was told it was under review. 
On XX/XX/XXXX I was told that they would be closing my account and not returning my money. 
I want an explanation why they feel they can take my money and I want it back. I understand a bank can close an account for no reason, but isnt it illegal to take my funds. Also, it seems very suspicious that they keep claiming they are closing the account but it is sitting in limbo where I cant access it, but they can gain interest off it. Do I have the right to take legal action against them? 
I want my account closed, my money returned, and information on what further steps I can take to help ensure they dont do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
On XX/XX/year>, it has been reported that XXXX XXXX instructed DOGE staffers to gain access to multiple internal systems within the Department of Education, including a financial aid dataset containing personal information of millions of students. My personal information was among the dataset accessed and compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. 

XXXX XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} Inquiries included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. 

XXXX XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} Inquiries included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2025-03-15 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: NY

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Reported Balance : {$370.00} Date XXXX XXXX Name : XXXX XXXX  XXXX Reported Balance : {$570.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : XXXX Date XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date XXXX INCORRECT ADDRESS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX INQUIRIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Reported Balance : {$370.00} Date XXXX XXXX Name : XXXX XXXX  XXXX Reported Balance : {$570.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : XXXX Date XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date XXXX INCORRECT ADDRESS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX INQUIRIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INCORRECT NAMES LISTED : 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 2025-03-15 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
my father died with no will and owes XXXX on his mortgage he left no information on anything or told us anything. i am his only child and i am trying to make the mortgage payment on a low income so i don't lose my home the mortgage company loaddepot have been rude and unhelpful every time i call they have returned my payment two times when i wire it from my bank they will not let me make a payment on the phone and they will not let me log into the online portal to make a payment they are purposely trying to make me lose my home so that they can have my fathers home there is no reason they should have returned my payment twice when it was hard for me to come up with the money to make it at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Loqbox US Inc

Complaint narrative:
I signed up for Loqbox on the XX/XX/XXXX and I was confused on the service. They had charged my card which was closed on XX/XX/XXXX every week for XXXX. I cancelled the loqbox never ship on the XX/XX/XXXX and it had said thank you for using our service your account is now closed. This was the end of it or so I thought. They have reopened it I guess didnt actually close my account and kept on charging me the entire year sending missed payment emails. This angered me and I kept on cancelling the account with video proof from XXXX showing me cancelling the account. They wrote in my credit report I missed payments all of XXXX and have drastically reduced my credit score to XXXX  ARE YOU SERIOUS. Ive gotten in contact with support multiple times and have already disputed this with XXXX last year with no response. I saw this service on the personal finance XXXX and I really need your help these snug scummy business has really messed with my credit score to the point I cant even get a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX Account number : XXXX Subject : Credit Report Dispute Balance Updated While in Dispute & Failure to Provide Investigation Results Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint against XXXX XXXX Bank for failing to comply with the Fair Credit Reporting Act ( FCRA ) regulations. 

This account is under dispute, yet the company continues to update the balance on my credit report. Additionally, I have not received any copies of the investigation results, nor have I been notified of any updates regarding the status of my dispute, which is a direct violation of the FCRA. 

Issue Details : XXXX. Unauthorized balance update : Although this account is in dispute, XXXX XXXX Bank continues to report a balance of {$990.00}, negatively impacting my credit score. 
XXXX. Violation of the FCRA : Under 15 U.S. CXXXXe XXXX ( b ), data furnishers must stop updating account information while a dispute is pending. However, XXXX XXXX Bank has ignored this requirement. 
XXXX. Failure to provide investigation results : I have not received any copies or updates regarding the dispute investigation, violating my rights as a consumer under the FCRA. 
XXXX. Unauthorized use of my personal information : I have not authorized the continued reporting of this account under these conditions. 

Requested Actions : Immediately cease updating the balance while the dispute is ongoing. 
Delete this account from my credit report due to non-compliance with the FCRA. 
Investigate and take appropriate action against XXXX XXXX Bank for violating the FCRA regulations. 

Attached is evidence from my credit report showing that the balance has been updated despite the account being in dispute. I request immediate corrective action to ensure compliance with federal law and to prevent further harm to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681e ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.

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 2025-03-15 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:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXXB of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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