vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: GA

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

I'm begging for your assistance! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit Reporting Laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Please help me. 

The following information needs to be re-investigated : XXXX XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXXXXXX XXXX  | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX  | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX | XX/XX/XXXX : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : I never authorized these inquiries. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year>, someone opened a credit card account through XXXX XXXX XXXX  in another state. Defaulted on payments and L.V.N.V. Funding LLC is suing me for not paying a debt that I never knew existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: VA

Complaint narrative:
I am filing this complaint regarding deceptive advertising practices by Sallie Mae Financial Institution in relation to private student loans. 

My husband and I, both of whom have excellent credit scores ( above XXXX ), applied to co-sign a private student loan for our XXXX XXXX  child. The lender widely advertised very low interest rates as low as 2.89 % APR to 17.49 %, prominently displayed across their website and marketing materials. 

However, after completing the application and full credit check, we were offered a much higher interest rate of 17.49 % bothsignificantly above what was advertisedeven though we meet the top-tier credit criteria they claim are required for their best rates. 

It is clear that the advertised rates are misleading, used only as bait to attract applicants. There appears to be no transparent explanation of what qualifies a borrower or co-signer for the advertised rate, and no way to verify eligibility before a hard credit check is performed. 

This practice feels intentionally deceptive and may violate fair advertising standards. We feel taken advantage of after being led to believe we would qualify for rates close to those advertised, only to be presented with higher-cost terms after a credit inquiry. 

Additionally, the publication of false interest rates has caused significant harm through wasted time and unnecessary stress. As a consumer, I relied on the advertised information to make informed financial decisions, only to discover that the actual rates were significantly different. This misleading practice forced me to spend additional hours verifying information, contacting lenders, and recalculating financial planstime that could have been spent more productively. The stress and frustration caused by this misinformation is unacceptable and further underscores the need for enforcement action to prevent deceptive advertising practices. 

We request that the CFPB investigate this companys marketing and rate determination practices to protect consumers from bait-and-switch tactics, especially when families are trying to responsibly support their childs education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: HI

Complaint narrative:
I have previously disputed XXXX, 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 2025-08-21 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: TX

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Rebuttal to CFPB Complaint [ # XXXX ]. 

On XX/XX/year>, I submitted a complaint against LEAFY FINANCIAL regarding their reporting of an alleged debt. In my original complaint, I requested validation of the debt that included competent evidence bearing my signature, proving that I had entered into a contractual agreement with LEAFY FINANCIAL or that I owed any obligation to them directly. 

On XX/XX/year>, XXXX XXXX responded by stating : " Leafy Financial is not a collection agency. XXXX XXXX sold account # XXXX to XXXX XXXX XXXX and Leafy Financial is the master servicer on the account as of XX/XX/year>. They also attached a loan agreement and installment not from XXXX VI XXXX, the original creditor.

This response does NOT address the issues I raised for the following reasons : 1. Misrepresentation of Furnisher Role : Leafy Financial states they are not a collection agency, yet on my credit report the account is clearly listed as a " collection account. '' According to the CFPB 's Furnisher Rule ( Regulation V, 12 CFR 1022.42 ( a ) ), furnishers must establish and maintain reasonable policies to ensure they provide accurate information to consumer reporting agencies. Reporting an account as a collection while also claiming they are NOT a collection agency is misleading and inaccurate. 
XXXX. Failure to Validate as Required : The documents provided were from XXXX XXXX XXXX  and do not establish any contractual obligation between myself and LEAFY FINANCIAL. The CFPB Debt Collection Rule ( 12 CFR part 1006, implementing FDCPA ) requires that a debt collector ( or any party furnishing data ) must provide sufficient validation, including information about the original creditor and proof of assignment. Leafy Financial did not provide evidence of assignment from XXXX XXXX XXXXXXXX to XXXX XXXX, to XXXX XXXX XXXX, and finally Leafy Financial as " XXXX XXXX ''. Without a full chain of title, they can not demonstrate the right to report or service the alleged account.

3. Confusion and Consumer Harm : The credit report states I have a collection account with Leafy Financial, which conflicts with their claim that they are NOT a collection agency. The CFPB has stated ( CFPB
Bulletin 2013-09 on Furnisher Accuracy ) that information furnished to credit reporting agencies must not only be technically accurate, but must not create a misleading impression about the consumer 's obligations. Reporting this account as a collection while disclaiming that status is misleading and harmful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ARS National Services, Inc.
State: AR

Complaint narrative:
On XX/XX/year> I received a letter from ARS National Services Inc. They are stating I owe a debt to a bank. They are stating they are attempting to collect the debt. However, I am on XXXX and that is my sole income. At this point in time attempting to garnish my XXXX wages is illegal and needs to stop immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-21 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-21 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Contacted Company XX/XX/year> to state that I was unable to make a payment because the automated system was not working. They asked me to try again, by the time their system was working it was a day later than and the company automatically reported me incorrectly.

They are in violation of Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I request that you conduct a reinvestigation and provide proper verification of the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief