vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: SLM CORPORATION
State: TX

Complaint narrative:
# XXXX Smart Option Student Loan - XXXX XXXX XXXX XXXX I am writing to formally express my serious concerns regarding the status and servicing of my student loan account with Sallie Mae. Despite making consistent payments over time, I have observed little to no meaningful reduction in my loan balance. This raises significant concerns about the structure of my loan agreement and whether the terms border on predatory lending. 

I have reviewed my account history and payment records, and it appears that a disproportionate amount of my payments have been applied toward interest rather than the principal balance. This has led to a seemingly stagnant or increasing balance, which is neither reasonable nor sustainable. 

Given these concerns, I request the following : A complete breakdown of all payments made on the account, including the amount applied to interest, principal, and any fees. 

A review and explanation of the loans interest rate structure, including how interest is calculated and capitalized. 

A reassessment of whether my loan falls under predatory or usurious lending practices, especially in light of how little progress is being made despite consistent payments. 

A proposed resolution that includes : A recalculation of my balance with adjustments that fairly reflect the payments made. 

Possible conversion of my loan to a fixed-rate loan with better terms. 

An opportunity to refinance or settle the loan at a reasonable amount given the disproportionate growth of the balance. 

I am more than willing to work toward a resolution that is fair and sustainable. However, if this matter is not addressed promptly and fairly, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office, as well as explore other legal options. 

Please consider this letter a formal request for review and resolution. I request a response within 30 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : 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  As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-10-03 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:
On XX/XX/year>, I filed CFPB Complaint ID XXXX against Experian regarding XXXX disputed tradelines XXXX XXXX XXXX XXXX ( Acct ending XXXX ) XXXX XXXX  XXXX XXXX Acct ending XXXX ) XXXX XXXX XXXX XXXX  XXXX Acct ending XXXX ) On XX/XX/year>, Experian provided an interim response in the CFPB portal, stating it was in the process of contacting the data furnishers and that an investigation may take up to 30 days. This statement was an acknowledgment of its obligations under the Fair Credit Reporting Act ( FCRA ) Sub-Section 1681i ( a ) ( 1 ) ( A ). 

As of XX/XX/year> - more than 45 days later - I have received neither reinvestigation results nor a proper deletion of the disputed tradelines. This constitutes ongoing violations of : FCRA Sub-Section 1681i ( a ) ( 1 ) ( A ) - failure to complete a reasonable reinvestigation within 30 days, FCRA Sub-Section 1681i ( a ) ( 6 ) ( B ) ( iii ) - failure to provide written results and method of verification, FCRA Sub-Section 1681i ( a ) ( 5 ) ( A ) - failure to delete unverifiable information. 

This is a separate and continuing violation of the FCRA, in addition to the issues raised in the original complaint.

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 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/year> I requested the following information : I am writing to dispute and request validation of the above-referenced debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., specifically citing 15 U.S.C. 1692g ( b ) and the protections regarding communications in 15 U.S.C. 1692cc. Pursuant to my rights, I hereby demand that you provide full validation of this alleged debt, including but not limited to : A copy of the original signed contract or agreement bearing my signature establishing the debt with XXXX XXXX XXXX Bank. 
An itemized accounting showing how the alleged amount of {$1200.00} was calculated, including principal, interest, fees, and dates of charges and payments. 
The name and address of the original creditor and documentation showing chain of assignment or sale of the debt from the original creditor ( XXXX XXXX XXXXXXXX XXXX XXXX to LVNV Funding, LLC, including dates and copies of assignment or purchase agreements.

Proof that LVNV Funding, LLC is licensed or authorized to collect debts in my state, or, if you are collecting on behalf of another, a copy of the written agreement authorizing you to collect on their behalf. 
Documentation of the date of last activity and date of default/charge-off. 
Any documents or records evidencing my obligation to pay, including billing statements, invoices, or delivery/acceptance confirmation. 
Copies of any reports, communications, or agreements sent to consumer reporting agencies concerning this account. 

None of this information has been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-03 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the day of XX/XX/2025 my cellphone got stolen and my bank accounts were hacked. Illegal transactions of cash advances were made thru my credit card account of around {$7000.00} dollars. I was traveling in XXXX XXXX when this horrible nightmare occurred. I notified my bank wellsfargo as soon as it happened. Accounts were frozen but the transactions eete already made. Nothing has been made by the bank to clear the amount from my account. Im still to this date being charge the amount that was stolen from my account and plus Im stuck making interests payment. Ive been banking with them for over XXXX yrs with a good clean record and now that this happened they have not helped me to clear that amount from my account. Several letters have been sent to me about the incident thats investigated but nothing is being done to fix this problem. I will continue filling claims until this gets resolved.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This car payment is set up on auto-pay. XX/XX/XXXX I received a call from ALLY that the XXXX payment was over 30 days past due because Ally " could not find the account ''. They have never had a problem finding the account for any of the previous payments. The payments were always auto-paid without issue and we always pay MORE than the regular payment amount. ALLY did not notify me that there was an issue until over XXXX days past the payment date. When they notified me, I made a payment immediately. And because my auto-payments were set up to be MORE than the regular payment, the past due amount was {$11.00}. Yes, XXXX DOLLARS. We have several auto-payments set up from that same account and no other bank or credit card company had and issue " finding the account ''. I've tried reaching out to ALLY, but can never get past their customer care people who can not give me any additional information other than Ally Completed the investigation of FCRA dispute - consumer disagrees.

I work hard for my credit score, and for ALLY to have lowered my score for {$11.00} because, suddenly, they couldn't find my account. I think that's pretty drastic given my payment history and when they didn't think it was important enough to reach out to me until over XXXX  days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I submitted an FTC Identity Theft Report along with proof of my address. Under the FCRA 15 USC 1681c-2 ( b ) and 1681s-2 ( a ) ( 6 ) ( B ) ( iii ) this documentation is sufficient to blocking of fraudulent tradelines. 

Kikoff has responded with an unsigned agreement and payment log. Neither constitutes my authorization to this fraudulent account.

I have provided you utility bill Now new evidence I will provide to you is my email address that is verified through CFPB portal which further proves the email address you attaching is fraudulent and I have no access to XXXX My valid email address is XXXX ( see attached ) Also you mentioned device matching MFA verification once again this does not prove anything.

Once again your failure to provide and treat an actual victim as the thief is very much violation of the FCRA which is federal law is distasteful.

You have the wrong address you have my personal identifying information which is my Name DOB and SSN which has been stolen and used for someone elses benefit and your using it and framing me the victim as the thief.

New evidence proves I have no association with KikOff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: AR

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 have no ties to these accounts ; please delete them within XXXX  days in compliance with USC 1681g.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I sent Celtic Bank / Continental Financing a letter disputing their reporting of late payments on my credit report. The letter was sent certified with a signature required and I have proof of delivery. It's been over three months and they haven't updated my credit report as disputed, which they're required to do according to 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a clear violation of my rights under FCRA and showcased in both XXXX XXXX XXXX & XXXX and 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