vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
Category : Student Loans Sub-category : Privacy, Data Breach, Unauthorized Access XXXX XXXX Servicer : XXXX Complaint Description : I am filing a formal complaint regarding a potential violation of my data privacy and educational rights related to my federal student loans. I have reason to believe that unauthorized third parties, including XXXX XXXX or entities affiliated with XXXX ( formerly XXXX ), may have gained access to sensitive, personally identifiable information ( PII ) held by the U.S. Department of Education or its loan servicers. This may have occurred through improper data-sharing, backend access, or unauthorized API/integration with federal systems.

My financial aid, loan balance, academic record, and borrower information are protected under the Family Educational Rights and Privacy Act ( FERPA ), as well as federal data security regulations. I am concerned that XXXX XXXX or technology entities associated with his companies have compromised these protections either directly or through platforms capable of scraping or accessing such records. 
I did not give consent for my student loan data to be accessed, analyzed, or distributed to any private technology company or public figure. This raises serious questions about digital security protocols, student privacy rights, and data handling practices within the Department of Education and its affiliated contractors.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open an investigation into this matter. Specifically, I would like : A full disclosure of who has accessed my loan and borrower information ; A review of any unauthorized disclosures or privacy breaches ; Temporary suspension of all reporting or enforcement activity on my loans until this matter is resolved ; A referral of this issue to the Family Policy Compliance Office ( FPCO ) and the Department of Educations Inspector General.

I am extremely concerned about the misuse of my personal data and expect a thorough review and written response.

Requested Resolution : Cancel and discharge my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
Category : Student Loans Sub-category : Privacy, Data Breach, Unauthorized Access XXXX XXXX Servicer : XXXX Complaint Description : I am filing a formal complaint regarding a potential violation of my data privacy and educational rights related to my federal student loans. I have reason to believe that unauthorized third parties, including XXXX XXXX or entities affiliated with XXXX  ( formerly XXXX ), may have gained access to sensitive, personally identifiable information ( PII ) held by the U.S. Department of Education or its loan servicers. This may have occurred through improper data-sharing, backend access, or unauthorized API/integration with federal systems. 
My financial aid, loan balance, academic record, and borrower information are protected under the Family Educational Rights and Privacy Act ( FERPA ), as well as federal data security regulations. I am concerned that XXXX XXXX or technology entities associated with his companies have compromised these protections either directly or through platforms capable of scraping or accessing such records. 
I did not give consent for my student loan data to be accessed, analyzed, or distributed to any private technology company or public figure. This raises serious questions about digital security protocols, student privacy rights, and data handling practices within the Department of Education and its affiliated contractors. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open an investigation into this matter. Specifically, I would like : A full disclosure of who has accessed my loan and borrower information ; A review of any unauthorized disclosures or privacy breaches ; Temporary suspension of all reporting or enforcement activity on my loans until this matter is resolved ; A referral of this issue to the Family Policy Compliance Office ( FPCO ) and the Department of Educations Inspector General. 


I am extremely concerned about the misuse of my personal data and expect a thorough review and written response. 

Requested Resolution : Cancel and discharge my student loans

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 2025-07-14 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 BEEN CONTACTING TRANSUNION FRAUD DEPARTMENT CONCERNING FRAUDULENT ACCOUNTS ON MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE SUBMITTED information about a fraudulent account opened due to identity theft, I contacted the businesses where the fraudulent accounts where opened with XXXX {$1500.00} Acct # XXXX XXXX XXXX  XXXX {$1400.00} ACCT XXXX XXXX * * #. XXXX {$0.00} ACCT # XXXX XXXXXXXX XXXX {$590.00} ACCT # XXXX XXXX XXXX XXXX {$320.00} ACCT # XXXX XXXX. XXXX {$630.00} ACCT # XXXX XXXX {$100.00} ACCT # XXXX. 


XXXX {$0.00} ACCT # XXXX and XXXXXXXX XXXX {$590.00} ACCT # XXXX have the same account number! This is illegal to report two of the same FRAUDULENT ACCOUNTS.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit Collection Service is reporting that i owe there Company {$130.00} and has it reporting on all XXXX Credit Bureau and i want All XXXX removed. I Dont have and Account and never had and Account with this Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-07-14 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:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX  and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a debt validation request to XXXX XXXX XXXX XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX ). They acknowledged receipt but failed to provide proper validation per 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ). They stated they were unable to verify or investigate the debt within the timeframe required. I am requesting CFPB intervention to ensure this unverifiable account is permanently deleted from all credit reporting agencies and that no further collection attempts are made.

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 2025-07-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am writing to formally report that my identity has been stolen and used without my authorization to make fraudulent purchases. I recently discovered that unauthorized transactions were made using my personal information, including [ insert any known details, e.g., credit card number, name, address, or other identifying information ]. 

These transactions were not made by me, nor did I give anyone permission to use my identity or financial accounts. I am a victim of identity theft and am taking all necessary steps to report this matter to the appropriate authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ) .My Identity theft report number is 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 2025-07-14 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 am writing to formally report that my identity has been stolen and used without my authorization to make fraudulent purchases. I recently discovered that unauthorized transactions were made using my personal information, including [ insert any known details, e.g., credit card number, name, address, or other identifying information ]. 

These transactions were not made by me, nor did I give anyone permission to use my identity or financial accounts. I am a victim of identity theft and am taking all necessary steps to report this matter to the appropriate authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ) .My Identity theft report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: MA

Complaint narrative:
I attempted to cancel my Albert account after revoking authorization for recurring charges. Albert Support confirmed that they had canceled my plan, issued a {$1.00} credit, and paused XXXX XXXX services to prevent further charges. 

Despite this, I was still charged {$16.00} in XXXX separate unauthorized transactions from my XXXX XXXX XXXX account on XX/XX/year>. These charges occurred after I removed this account from the Albert XXXX. 

I made every good-faith effort to pay the {$1.00} balance, but the app blocked me from switching payment methods due to the old bank account being closed. I could not delete the account, nor could I pay with a new one unless I opened an entirely new Albert Cash account, which I did not consent to. 

This situation feels predatory. I am now overdrafted and have been charged after canceling. I demand a refund, complete account closure, and investigation into Alberts practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit history and life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit history and life

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 2025-07-14 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the 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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am unable to access my SoFi account to dispute unauthorized transactions because their identity verification system is broken, and support has refused to escalate or offer an alternative.

I uploaded my government-issued ID and completed the last verification step, and the system even indicated that the document was successfully received.

I have called SoFi support four separate times, and each time Im told the same thing : You need to get past the verification step. But I already completed that step, and they keep telling me to try again blindly. Already exhausted all possible options including different phones and phone numbers to receive a new link but not working. This is not a solutionits a broken loop with no end.

On top of that, there are unauthorized transactions on my account that I need to dispute, but Im unable to file a dispute because of this system lock. This is affecting my access to my own funds and delaying time-sensitive fraud reporting.

I am requesting SoFi to : 1. Manually verify my identity and unblock my account ( either via a secure upload, callback, or video verification ) 2. Immediately allow me to dispute the fraudulent charges on my account before its too late to recover funds.

SoFi support has been dismissive and continues to repeat the same script instead of escalating or offering real help. Im asking for CFPB assistance because Im being blocked from reporting fraud and accessing my own account due to a system failure on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
The investigation did not fix the errors on 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 explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
The investigation did not fix the errors on my credit report

Company response to consumer: Closed with non-monetary relief