vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Loan Science, LLC
State: GA

Complaint narrative:
When I decided to sign up for school 3 years ago at XXXX XXXX while doing the student loans they encouraged me to sign up for their private student loan thats apart of their school they told me I was short XXXX dollars on my tuition and i couldnt go to school unless I have a loan to cover the remainder amount they explained that I would need the loan towards the end of my program I signed up for thats how they explained it to me come to find out they applied the private loan as soon as i started school I had no idea I feel like they mislead me and now I am forced to owe on a loan I had no idea they applied to my tuition as soon as I started I feel like I got set up I have tried to fight this loan because I feel like I was blinded and set up if I knew they were going to do that I would have never signed up for the loan they completely explained it wrong to me then I tried to get help from the financial aid advisor that signed me up they claimed they would remove it but then she became unavailable for months where I had to speak with someone else then they switched up their words I have tried to do something about it I have not succeeded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: IL

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 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-01 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-01 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-01 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: CA

Complaint narrative:
On XX/XX/year> Report XXXX XXXX and XX/XX/year> Report XXXX XXXX, I submitted disputes to Experian to correct inaccurate information. However, they have not updated the balances on my XXXX XXXX credit cards since XX/XX/year>. I confirmed with XXXX XXXX that they report to Experian when the monthly statement is generated. Experians outdated information is harming my credit by making it seem like I exceed my debt-to-income ratio. Despite this, they have already added my new mortgage account, opened on XX/XX/year>. 

In contrast, XXXX  and XXXX  have updated their reports with accurate information, significantly improving my credit score. Experians false reporting is damaging my credit and affecting my chances with potential employers and loan applications.

Because Experian is reporting inaccurate information my credit score with Experian dropped from XXXX to XXXX instead of improving like XXXX  and XXXX. 

XXXX  has my credit rating at XXXX and XXXX  at 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 2025-05-01 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:
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 2025-05-01 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: TX

Complaint narrative:
I am writing to formally place Equifax and Transunion on notice regarding your responsibility to maintain the accuracy, fairness, and privacy of the information contained in my consumer file, as outlined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681.

It has come to my attention that your agency may be reporting inaccurate, outdated, unverifiable, or otherwise non-compliant information on my credit file. I am fully aware of my rights under the FCRA, and I expect your immediate cooperation and strict adherence to federal law. 
Accounts in reference : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are unauthorized and have been filed with the federal trade commission upon proving real and true identity. Please remove these accounts from my profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX {$19.00} I used my cashapp card to place a {$250.00} security deposit on a hotel room. On XX/XX/XXXX, the hotel released the hold after I checked out. Today is XX/XX/XXXX, and cashapp is still claiming the hold is pending and will not release my money. 

I contacted cashapp and they said the issue was on the merchant end, unless I could show them a receipt showing otherwise, in which case they offered to conduct an investigation. I contacted the merchant and received the proof cashapp asked for and gave it to them. 

They then lied and said they don't do investigations and it will take over 30 days to get my money back. I've asked many times to speak to a manager, but they keep copy and pasting the same non sequitur responses and claiming their managers " don't do phone calls. ". 

Then they tried to claim I wasn't the original account owner to further obfuscate the matter. I am the original and only account owner and had to verify myself 3 times in order for them to just ignore me. They no longer are responding to my inquiries and have failed to investigate anything or answer a single one of my questions. They still have my money. I am late on bills and had to pay overdraft fees because of them for no reason. Even had to slight a night at a bus stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am reopening this complaint because my original concerns were not fully addressed or properly reviewed. While I understand the lenders legal stance regarding the repossession, my concern is not simply whether they could take the vehicle its how the account was handled leading up to that point. I made consistent payments through Resurgent, and every time I called, I specifically asked to pay the full amount due. At no point was I ever informed that I was behind or that my XX/XX/XXXX payment was applied to XXXX, making me unknowingly delinquent. Due to the bankruptcy status, I had no access to my online account. I was told I had to go through Resurgent, but they were unable to provide real account details only accept payments. I continued making payments in good faith, believing I was current. I was not given any notice, warning, or opportunity to cure. I was never told I had not reaffirmed the loan, or that one missed payment could result in full repossession with no chance to resolve. I only found out the true status of my account after the repossession occurred. At that point, I was finally able to log in and view my payment history. Until then, I was left in the dark with no visibility into how my payments were being applied. This issue is about a complete lack of transparency, failure to communicate, and negligence on the part of both XXXX XXXX and Resurgent. I was making every effort to keep my account in good standing, and I feel I was set up to fail. I am requesting a full review of how my payments were handled and a full accounting of any call notes or communications made during this time. If this matter is not properly investigated and resolved, I will be seeking further legal action for negligence and unfair practices by both XXXX XXXX and Resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Received a voicemail from a debt collector. I do not have any outstanding accounts or debt in collections and have not received any sort of notice of any debt going to collection or past due. 

the phone number the voice mail says to call has been listed as fraud by several other people on XXXX below is the transcript of the voicemail XXXX XXXX or chat with us online at american collect pay.com Monday through Friday XXXX XXXX  to XXXX XXXX  Saturday XXXX XXXX  to XXXX XXXX  central time you can also use our secure payment portal at any time at americancollectpay.com again I'm a debt collector with American collect and can't be reached at XXXX. If we have the wrong number please give us a call and let us know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/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 2025-05-01 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 am writing to formally dispute the inaccurate and inconsistent late payment information being reported by XXXX XXXX XXXX XXXX on my credit report. I am not disputing the account itself and would like it to remain open, but I am disputing the false late payment records being reported. 

The payment history dates have changed multiple timesat least four occasionswhich is illegal under the Fair Credit Reporting Act ( FCRA ). Specifically, this violates : FCRA 607 ( b ), which requires that credit reporting agencies maintain maximum possible accuracy in the data they report.
FCRA 623 ( a ) ( 1 ) ( A ), which states that furnishers of credit information must not report inaccurate or misleading information.

FCRA 611 ( a ), which requires that disputed information must be investigated and deleted if it can not be verified.These false and shifting dates have negatively impacted my ability to qualify for other financial accounts. Since XXXX is not reporting this account at all, and no other verified source confirms the negative data, it is unverifiable and must be removed immediately.If the unverifiable late payments are not removed within 30 days, as required by law, I will pursue all remedies available under : FCRA 616 ( willful noncompliance ) FCRA 617 ( negligent noncompliance ) This includes seeking statutory, actual, and punitive damages, and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney XXXX XXXX am requesting the immediate deletion of the late payment records reported by XXXX XXXX XXXX XXXX while keeping the account active and open on my report.Please provide a written confirmation of the results of your reinvestigation within 30 days of receipt of this letter.

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 2025-05-01 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: NY

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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-05-01 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 have an account on credit report show up originating from XXXX for XXXXXXXX XXXX XXXX now being collected by XXXX XXXX XXXX. 
I disputed this collection when it was held by another company a couple of years ago and all XXXX credit bureaus found it in error and they removed it. Now it is showing up on Experian and after disputing they wont remove it. 
I have never had a balance that high with XXXX and do not owe this money.

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 2025-05-01 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: MS

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-05-01 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 AM WRITING TO FORMALLY REQUEST THE BLOCKING AND REMOVAL OF FRAUDULENT ACCOUNTS, INFORMATION, AND INQUIRIES FROM MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C 1681C-2. I RECENTLY DISCOVERED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT, AND UNAUTHORIZED ACCOUNTS AND OR INQUIRIES HAVE BEEN REPORTED IN MY NAME. THOSE INQUIRIES INCLUDED BUT NOT LIMITED TO 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 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 XXXXXXXX PLEASE PROCESS MY REQUEST PROMPTLY IN COMPLIANCE WITH FCRA 15 U.S.C 1681C-2. I EXPECT CONFIRMATION OF THE BLOCKED INFORMATION WITHIN 4 BUSINESS DAYS AS REQUIRED BY LAW. ANYTHING MORE THAN THAT IS A VIOLATION OF MY RIGHTS AND ARE SUBJECT TO FURTHER 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