vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the credit reporting agencies XXXX, Experian, and XXXX have failed to update or correct inaccurate personal information in my credit file, despite previous disputes. 

On my reports dated XX/XX/year>, all three bureaus are reporting inconsistent or outdated personal details including : Incorrect name variations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Correct Name : XXXX XXXX XXXX Incorrect addresses ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL ) Current address XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Incorrect employer information XXXX Current employer : XXXX Mismatched formatting across bureaus I have attempted to correct this information through formal dispute processes. Despite providing current documentation ( ID and proof of address ), these items remain on my reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA 611 and 607 ( b ) ), which requires consumer reporting agencies to maintain accurate and current identifying information and correct errors within 30 days of receiving a dispute. 

This incorrect personal data is negatively impacting my ability to secure financial products and contributes to confusion during verification processes with lenders.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
Sallie Mae is refusing to offer me a hardship-based repayment option. I called several times during XXXX before my loans went into default. I was told by a representative that the hardship program would get ahold of me. And they have not, nor given me any other options than the XXXX XXXX XXXX. I work full-time and can not afford the XXXX XXXX XXXX they are pushing. My account is currently 15 days past due despite me making payments. They denied forbearance because I have not made 12 full payments, which is an unreasonable barrier. I need an affordable repayment plan, not a temporary interest-only plan that leads to financial collapse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
15 U.S.C. 1681c-1, which provides for the placement of fraud alerts and the blocking of information resulting from identity theft. 

After reviewing my credit reports, I found several accounts and inquiries that I did not authorize and do not recognize. Specifically : XXXX  Report : Portfolio Recovery Associates ( Account # : XXXX ) was reported as a collection account originating from XXXX XXXX XXXX  XXXX. with a balance of {$790.00}. I did not open or authorize this account. 

There are also multiple unauthorized hard inquiries listed from institutions including XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX  on dates ranging from XX/XX/XXXX to XX/XX/XXXX. 

XXXX Report : Dept. of Education / XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) appears with adverse indicators, but I have no outstanding student loans with this institution. 

Numerous unauthorized hard inquiries are listed, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX These occurred between XX/XX/XXXX and XX/XX/XXXX. 

These entries were made without my knowledge or consent and are likely the result of identity theft. I am requesting the following : Placement of an extended fraud alert on my credit file as provided under 15 U.S.C. 1681c-1 ( h ).

Blocking of any fraudulent information and removal of unauthorized inquiries.

A full investigation into the origin of the unauthorized activity and a statement confirming removal or correction.

I am attaching my signed FTC Identity Theft Report and supporting documents, including a copy of my ID, proof of residence, and highlighted credit report entries showing the fraudulent activity.

I affirm that the information provided in this complaint is accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-17 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or 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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XXXX, I was in the XXXX  on a XXXX  after an allergic reaction. When I finally got home, I was in pretty bad shape. I saw XXXX XXXX XXXX on XXXX saying he could provide supplements to correct imbalances in my system and help me lose weight. I signed up in XX/XX/XXXX. I received a box of supplements that lasted maybe 3 months and access to some videos. I have not lost any weight, and my health issues were not resolved. XXXX box of supplements and access to some videos, and that IS ALL. I have no documentation that I ever signed up for this " loan ''. I would get monthly texted messages ( attached ) that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan # XXXX informing me that they were taking {$97.00} out of my checking account. When I would try to call the phone number the text came from but I got a message that that number does not accept calls. I had no idea how to get in touch with this XXXX  FNOB. In XXXX I did stop payment paperwork with my bank. Yesterday XX/XX/XXXX I received a call from the First National Bank of Omaha so at least now I know what FNOB stays for. I called them back today and was told they couldn't send me a copy of the agreement I supposedly signed. The interest rate is XXXX  % and the original loan was for {$2600.00}!!!! For XXXX box of supplements and a few videos, I was able to watch XXXX time???? And I could have been making larger payments and paid off this XXXX loan & paid if off earlier BUT since I did not have a copy of anything, I did not know that. I tried to find FNOB on the internet and could not. I had no contact info until I stopped the money from coming out of my checking account. They are still refusing to provide me with the agreement I " signed '' telling me I have to go online but that was NEVER explained before today. IS this legal????

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
In XX/XX/XXXX I submitted a PSLF buyback ( reconsideration ) request to FSA. I have heard nothing about the status of this request and it has not been processed. I submitted an additional request in XX/XX/XXXX and have heard nothing about that request. I submitted an additional request in XX/XX/XXXX and have also heard nothing. It has been 16 months since my initial request with no response from FSA. I have contacted them several times asking for a status update on my requests, and each time they tell me they can not provide an update. Their website says it takes 45 days to process a buyback request. I would like to know why it's been 16 months with no resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I applied for auto loan from PenFed credit union. Although my loan application was approved and check was sent via XXXX, I noticed that the XXXX  delivery fee for my loan documents was added to the total loan amount, which means this fee is now accruing interest over the life of the loan. I believe this practice unintentionally increases the overall cost for members and may not be transparent to all borrowers. 

I respectfully request that XXXX consider charging such delivery fees as a one-time upfront cost, separate from the loan principal, to avoid interest charges on non-loan-related expenses. 

This change would align with best practices in consumer lending transparency and ensure members are not paying unnecessary interest on administrative fees. 

Thank you for your attention to this matter. I appreciate your consideration and oversight on 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I filled a dispute because the atm did not dispense any funds and they closed my account now my funds are on the account and they wont let me withdraw my money and I havent done anything at all for my account to be closed

Company response to consumer: Closed with explanation