vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items " Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.

This miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. 
The XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. 


XXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. 
This lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. 
It also alleges that XXXX violated state and federal laws in its loan servicing practices. 


XXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. 
Specifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.

4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. 

These accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.

Note : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. 

Please handle this investigation properly thank you for you attention and time. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Note : this account is reported in credit every month past due and this is 100 % incorrect 2- Hard Inquiries never being removed from my credit report of course this getting me hard to get a new account or anything from all the companies every time. 

XXXX XXXX XXXX XXXX XXXX XXXX phone No address but is in my credit Report for XXXX affecting my credit report no respond at all from transunion of from XXXX XXXX XXXX XXXX this no my account. 
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 2025-05-20 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: FL

Complaint narrative:
XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Note : this account is reported in credit every month past due and this is 100 % incorrect 2- Hard Inquiries never being removed from my credit report of course this getting me hard to get a new account or anything from all the companies every time. 

XXXX XXXX XXXX XXXX XXXX XXXX phone No address but is in my credit Report for XXXX affecting my credit report no respond at all from transunion of from XXXX XXXX XXXX XXXX this no my account. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I am a victim XXXX XXXX XXXX  of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am requesting the removal of a dismissed Chapter XXXX bankruptcy that is still being reported on my credit file. The case was filed on XX/XX/XXXX and officially dismissed on XX/XX/XXXX by the XXXX XXXX XXXXXXXX in XXXX, GA ( XXXX # XXXX ). It was not completed or XXXX. 

Despite the dismissal being over XXXX years ago and the bankruptcy never proceeding to dischargeXXXX XXXX ( and potentially other bureaus ) reported the item as recently as XX/XX/XXXX. This is causing significant and unjust harm to my credit profile. 

Under the Fair Credit Reporting Act, only accurate, complete, and verifiable information should be listed on consumer reports. A dismissed bankruptcy is not a valid indication of insolvency or completed relief and should not be treated the same as a XXXX bankruptcy. 

I have attempted to dispute this with the credit bureau directly, and I am providing supporting documentation. I am asking the CFPB to assist in having this inaccurate and outdated public record removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Ive sent letters that were stamped to each credit company and also disputed things but they have not been disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Please check the information concerning the Equifax data breach in below attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'I was on the phone with Citi Bank for 2 1/2 hours trying to get information on a recently active credit card that disappeared from my Citi Bank online account. I was told by multiple agents, even supervisors, that they had no access to my credit card history with them. They only had access to currently open accounts. I was simply requesting information as to what happened to the recently active account that is no longer active and they said they could not access any information about it.'

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 2025-05-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX. for failing to provide debt validation in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a formal debt validation letter to the company disputing an alleged debt of {$37000.00}, which they reported to the credit bureaus on XX/XX/year>. The debt listing does not identify the original creditor or provide any details of the debt 's origin. 

As of today, I have not received any response or documentation validating the debt. They continue to report this account to the credit bureaus without verifying its legitimacy, which may constitute willful noncompliance under federal law.

I am requesting that appropriate regulatory action be taken and that the account be removed from my credit report unless validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to Bank of America today and asked for assistance about a debit from my account. XXXX forced me to wait in an office on hold for fraud department in which I never got anyone on the phone. After speaking with another lady, who tried to assist me as best as she could, XXXX comes in and says they cant give me the court order. He tells me to go to the attorney general. I asked if he as a number or address, is it downtown? He tells me to XXXX it. I asked him what do I do next, what am I looking for on the site. He says he cant tell me that because even though he knows what to do next, its not Bank of America business. Then he proceeds to ask me to look at my online banking and tell him whether or not I have account transactions pending because I ask him to close my account I ask him to look it up on the computer and he refused to do so. After gong round and round, he finally takes me back in the lobby to proceed with closing my account as I requested, and when he opens my account, he actually does find a phone number in which I can call and get more information and that phone number is different than the phone number I had already attempted to call to figure out what information they received about this issue.

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 2025-05-20 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXXT # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-20 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: TX

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 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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, Please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-05-20 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: NY

Complaint narrative:
I am filing a complaint against XXXX due to multiple failures in managing my XXXX XXXX loan account, which have led to a delinquency being reported to my credit reportdespite my consistent efforts to remain current and responsible with repayment. 

I attempted to set up autopay through XXXX 's platform several times, and each time I received confirmation that XXXX was active. However, no payments were ever withdrawn from my account. This system failure caused a payment to be missed, and XXXX subsequently reported me as delinquent to my credit union without providing me with any prior notice or communicationeither by email or physical mail. 

I have made multiple attempts to contact XXXX to resolve this issue. The website frequently experiences errors, and when calling customer service, I was either placed on hold indefinitely, hung up on, or transferred without resolution. I have not been able to speak to a representative who could meaningfully assist me. 

I should not be penalized on my credit report for a missed payment caused by XXXX 's internal technical failures. I made every reasonable effort to set up and maintain autopay, and I was never given fair warning or an opportunity to correct the issue before it impacted my credit. 

This experience has caused me unnecessary stress, credit XXXX and frustration despite my good-faith efforts to manage my loan responsibly.

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 2025-05-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation