vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: TN

Complaint narrative:
XXXX XXXX, which was funded by my {$9900.00} Ascent private student loan ( # XXXX ), was confirmed by Delaware DOE ( XX/XX/year> ) as an unlicensed, fraudulent entitynot authorized to operate as a postsecondary school. They misrepresented legitimacy via a fake DE address, then closed abruptly on XX/XX/year> without delivering services ( I got only 4 months. 

This school misconduct has left me with debt of {$10000.00} for nothing. Ascent granted XXXX forbearance, but I need : XXXX. Loan discharge/forgiveness due to fraud. 
XXXX. Halt on interest/collections. 
XXXX. CFPB investigation into Ascent 's role in lending to unlicensed programs. 

Attached : DOE fraud confirmation, XXXX complaint ( filed XX/XX/year> ), loan docs, enrollment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am formally disputing multiple unauthorized hard inquiries that appear on my TransUnion credit report. I did NOT grant written permission, verbal permission, or permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ) for these companies to access my credit file. 

The following inquiries were not authorized by me and must be removed immediately : XXXXXXXX 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  Under FCRA 604 ( a ) ( 3 ), a hard inquiry may only occur with : 1. My express written authorization, or 2. A valid permissible purpose.

Since I did not initiate applications with several of these companies, these inquiries are unlawful. FCRA 611 requires you to investigate the accuracy of any disputed item. FCRA 607 ( b ) requires TransUnion to maintain maximum possible accuracy at all times. 

YOU MUST : 1. Conduct a full investigation 2. Provide proof of each inquiry, including written authorization bearing my signature 3. Provide the name and address of each company that claims to have received permissible purpose 4. REMOVE ALL inquiries that can not be verified within XXXX days, per FCRA 611 ( a ) If you can not produce legally sufficient documentation proving I authorized these inquiries, they must be deleted immediately. Merely verifying electronically with the furnisher is not acceptable under the FCRA. You are required to provide physical evidence of authorization.

Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Consideration of a civil claim for willful non-compliance under FCRA 616 and negligent non-compliance under 617 Seeking statutory damages, punitive damages, attorneys fees, and any other relief permitted by law I expect your written response and full results of the investigation within XXXX days, as required.

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 2025-11-17 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: TX

Complaint narrative:
This issue is with both Experian and Equifax, as I've already gotten this issue deleted from Transunion. There are two accounts on my credit report with these companies from XXXX XXXX XXXX that's missing information. The Last Payment Date is missing which makes it impossible to calculate the dates those accounts should be removed. I've submitted several disputes asking both reporting companies to update or delete the information from my credit report, and they keep saying that the information has been upadted. The thing is, it's never updated. There is no last payment date for either account, on both of my credit report ( with Equifax and Experian ). So. I'm asking you all to act on my behalf.

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 2025-11-17 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: Kriya Capital, LLC
State: GA

Complaint narrative:
The continued reporting of inaccurate, unverifiable, and unauthorized information constitutes economic coercion, deprivation of due process, unfair trade practices, and a breach of public trust obligations. 

Under the XXXX and XXXX Amendments, no private corporation or agency may impose financial harm without verified obligation or proper jurisdiction.

The publication of unvalidated data violates : Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ) Fair Credit Reporting Act ( FCRA ) Foundational principles of equity and trust law These actions create unlawful leverage, artificial financial pressure, and unjust harm, mandating immediate correction, deletion, and cessation of reportingI, XXXX XXXX XXXX, a living man and Executor of the Estate, hereby affirm : XXXX. I am the living man and Executor of my estate. 
XXXX. No lawful contract exists between me and Credence Resource Management. 
XXXX. No wet-ink signature, assignment, chain of title, or verification has been produced. 
XXXX. I dispute any alleged debt in full. 
XXXX. Any continued reporting constitutes defamation, harm, coercion, and deprivation of due process.You were lawfully notified and provided the opportunity to validate the alleged account. 

You FAILED to comply. 

XXXX. You are now in DEFAULT. 
XXXX. You have XXXX ( XXXX ) days to cure. 
XXXX. Failure to cure results in : Administrative Judgment Estoppel by Acquiescence Proof of Bad-Faith Reporting Liability for Willful Non-Compliance under FCRA You must : Remove the Credence entry Provide written confirmation Cease all unauthorized reporting To : Georgia Attorney General Consumer Protection Division RE : Request for Investigation Unlawful Reporting & Failure to Validate This letter requests an investigation into Credence Resource Management and any credit bureau continuing to publish unverified, unauthorized, and harmful information.

Violations include : Misrepresentation Deceptive Practices Unverified Financial Claims Consumer Harm ( Georgia Fair Business Practices Act O.C.G.A. 10-1-390 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC Complaint Regarding Fraudulent Account and Unauthorized Use of Personal Information I am filing this complaint to formally report that XXXX XXXX XXXX is attempting to collect on a debt alleged to be owed to XXXX XXXX XXXX. I do not have an account number because I was never sent a dunning letter by this company. 
I have never opened, owned, or authorized any account with XXXX XXXX XXXX or with XXXX XXXX XXXX. 
XXXX XXXX XXXX has somehow obtained and used my nonpublic personal information, including my Social Security number and other private data, without my knowledge or consent. 
They appear to have created an account in their internal systems using my identity and are now demanding payment from me in the amount of {$110.00} for a debt that is entirely fraudulent. 

Federal Laws Potentially Violated XXXX XXXX XXXX actions constitutes violations of several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Prohibits furnishing inaccurate information to consumer reporting agencies ( 1681s-2 ( a ) ).

Requires investigation of consumer disputes and correction of inaccurate data ( 1681i ).

Prohibits obtaining a consumer report without a permissible purpose ( 1681b ( f ) ).

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Prohibits false or misleading representations in connection with debt collection ( 1692e ).

Prohibits unfair or unconscionable means to collect a debt ( 1692f ).

Requires validation of debts upon request ( 1692g ).

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 Prohibits financial institutions from using or disclosing nonpublic personal information without proper authorization and safeguards consumer privacy. 

Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 Criminalizes the knowing and unlawful use of another persons identifying information with intent to commit or aid unlawful activity.

Federal Trade Commission Act 15 U.S.C. 45 ( a ) Prohibits unfair or deceptive acts or practices in commerce, including misleading consumers about debts they do not owe. 

I respectfully request that XXXX XXXX XXXX be compelled to cease all collection activity regarding this fraudulent debt, remove any related negative information from my consumer reports, and be held accountable under applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
your YOUR COMPLAINT I Reviewed my account credit report, and I noticed fraudulent accounts on my credit report. Can you please remove these accounts, for they are affecting my ability to obtain credit. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
A fraudulent collection account that had been previously deleted from my credit report reappeared on my Equifax report without any notification, verification, or certification from the furnisher. The account involves a reported debt from 2025 for approximately {$770.00}, but I never opened, authorized, or had any relationship connected to this debt. 
Earlier in the year, this same account was removed from all three credit bureaus after disputes confirmed it was not mine. Recently, Equifax allowed the account to be reinserted without providing the legally required reinsertion notice and without confirming that the furnisher had certified the accuracy of the information. I also requested verification and supporting documentation from the reporting company, but no proof of the debt was ever provided. 
Equifax continued reporting this account despite the lack of validation and despite its prior deletion as fraudulent. This caused harm and violates the reinvestigation and reinsertion requirements under the Fair Credit Reporting Act. 
I am requesting that Equifax permanently remove the fraudulent account and ensure it is not re-reported again without proper certification and verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I was trying to buy a house and then I realized that I had damages on my credit report. According to the 15 USC 1681C 2 law there should be not any damages to my credit report because its a different dimension of my character.

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 2025-11-17 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: PA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing this complaint because Chime Financial , Inc. denied my application for a Checking and XXXX XXXX account without providing the legally required adverse-action notice required under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), Regulation B. 

Chime sent me a generic message stating that my application could not be opened at this time due to security reasons and refused to provide any additional information. This response fails to satisfy federal disclosure requirements.

1. Violation of FCRA Adverse Action Requirements ( 15 U.S.C. 1681m ( a ) ) Under FCRA 615 ( 15 U.S.C. 1681m ), when a financial institution takes adverse action based on information obtained from a consumer reporting agency, it is legally required to provide : The specific reason for the denial The name, address, and phone number of the consumer reporting agency Notice of the consumers right to obtain a free copy of the report Notice of the consumers right to dispute inaccurate information Chime has provided none of this, which prevents me from identifying or correcting any inaccurate consumer-reporting data.

2. Violation of ECOA/Regulation B ( 12 C.F.R. 1002.9 ) ECOA/Regulation B requires creditors to provide : A statement of specific reasons for denial ( 12 C.F.R. 1002.9 ( b ) ( 2 ) ) A notice of the consumers rights Identification of any consumer reporting agency used in the decision Chime is acting as a creditor for its Credit Builder VISA card, meaning ECOA applies.

The vague message citing only security reasons does NOT comply with the legal duty to provide a specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am writing to formally request a correction and update regarding the reporting of my XXXX  XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which currently shows a balance of {$1100.00} and a last payment date of XX/XX/year>. While this account has been consistently maintained with on-time payments, I have noticed that it is not reported on XXXX  and XXXX, resulting in an incomplete and inaccurate reflection of my credit history. The omission of this account from these reporting agencies misrepresents my creditworthiness and my overall payment behavior. 
My payment history for this account is verifiable and accurate. All payments were made in full and on time, as confirmed through bank statements and payment confirmations. There have been no late payments or delinquencies that would warrant negative reporting. The absence of this account on major reporting agencies appears to be a reporting oversight or data synchronization error. This omission results in an incomplete credit file, which can negatively impact lending decisions, interest rate evaluations, and my financial reputation. 
Under FCRA 607 ( b ), consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of information in consumer files. The current omission violates this requirement by failing to present a full and accurate account of my credit history. Additionally, FCRA 611 ( a ) ( 1 ) provides me the right to dispute any inaccurate or incomplete information and to have it reinvestigated and corrected promptly. As the account is not fully reported, this falls under incomplete and inaccurate information that must be rectified. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligate furnishers to report information accurately and to correct or update any inaccuracies once they are identified. XXXX  XXXX and the reporting agencies are therefore responsible for ensuring this account is properly reflected across all consumer files. Failure to do so misrepresents my financial behavior and undermines the integrity of my credit history.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused significant confusion and potential harm to my creditworthiness. My account with XXXX XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported inconsistently : Experian lists a balance of {$25.00} with last activity on XX/XX/XXXX, Equifax lists the same balance with last activity XX/XX/XXXX, and TransUnion shows {$25.00} with last activity XX/XX/XXXX, creating contradictory information across all three bureaus. My XXXX  XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is similarly misreported, with Experian showing a balance of {$450.00} and last activity XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX. Additionally, my XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported by Equifax with a balance of {$1000.00} and last activity XX/XX/XXXX. These errors violate the Fair Credit Reporting Act ( FCRA 611, 623, 605 ), including my right to dispute inaccurate information, the furnishers duty to investigate and correct errors, and the requirement to remove obsolete or inconsistent information. Despite my efforts to contact the credit bureaus and provide supporting documentation, these discrepancies remain uncorrected, and I am seeking assistance to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused significant confusion and potential harm to my creditworthiness. My account with XXXX XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported inconsistently : Experian lists a balance of {$25.00} with last activity on XX/XX/XXXX, Equifax lists the same balance with last activity XX/XX/XXXX, and TransUnion shows {$25.00} with last activity XX/XX/XXXX, creating contradictory information across all three bureaus. My XXXX  XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is similarly misreported, with Experian showing a balance of {$450.00} and last activity XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX. Additionally, my XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported by Equifax with a balance of {$1000.00} and last activity XX/XX/XXXX. These errors violate the Fair Credit Reporting Act ( FCRA 611, 623, 605 ), including my right to dispute inaccurate information, the furnishers duty to investigate and correct errors, and the requirement to remove obsolete or inconsistent information. Despite my efforts to contact the credit bureaus and provide supporting documentation, these discrepancies remain uncorrected, and I am seeking assistance to ensure accurate reporting.

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 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation