vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy of the negative and derogatory information appearing on my credit report. While in the process of purchasing a vehicle, I discovered several damaging accounts and derogatory remarks that do not accurately reflect my financial history. These include, but may not be limited to, accounts related to student loans, credit accounts, and other unknown charges.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain accurate and fair credit reporting practices. Any account that is fraudulent, inaccurate, unverifiable, or misleading is a violation of this law and is considered a defamation of my character. 

I am requesting that all fraudulent, inaccurate, and unverifiable accounts be immediately investigated and removed from my credit report. Failure to do so would constitute continued noncompliance with federal law. 

As required by law, I have enclosed the following supporting documentation : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID A copy of my Social Security card Proof of my current address According to FCRA 605B, upon receipt of this documentation, a consumer reporting agency must block the fraudulent information within XXXX ( XXXX ) business days. Please note that the statute does not require a police report when a valid Identity Theft Report from the Federal Trade Commission is provided. 

I hereby demand that you : Block all accounts, inquiries, and negative information related to identity theft.

Permanently delete these fraudulent items from my credit file.

Provide me with written confirmation that the fraudulent information has been removed.

Failure to comply with this request will be considered a violation of federal law and may result in enforcement actions, complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and potential legal remedies. 

I expect full compliance with this request and written confirmation of the blocking and deletion within the statutory XXXX-business-day deadline. 


Please conduct your reinvestigation of these items and provide written confirmation of the results within the time allowed by law. If you find that these accounts can not be fully verified, they must be deleted promptly from my file. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company has repeatedly called my place of employment and home at all hours of the day, every day of the week for the past year or so without my express consent. I have no knowledge of any debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report :

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 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Subject : Request for Payment Relief Account XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for your previous response regarding my concerns about my auto loan. While I understand your position, I am reaching out to request assistance in lowering my monthly payment due to financial hardship. 

Since entering this agreement, my financial circumstances have significantly changed, and my current payment is no longer sustainable. I want to emphasize that I have consistently made payments and worked to keep this account in good standing, as reflected in my payment history. My intention is to continue meeting my obligations without falling behind or damaging my credit. 

I am respectfully requesting XXXX of the following options to help me maintain this account responsibly : A temporary payment reduction or hardship program ; An extension or modification of the loan to lower the monthly payment ; or Any available options for restructuring the loan without refinancing externally. 

I value my relationship with your company and have shown good faith in honoring this agreement. I am confident that, with a reasonable adjustment, I can continue to pay reliably and avoid any negative impact on both of our interests. 

Thank you for your understanding and for considering a solution that benefits both parties. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 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 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 XXXXXX/XX/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 2025-08-18 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: NC

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They do not provide me with the orginial application like I asked.

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 2025-08-18 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 am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They do not provide me with the orginial application like I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
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 - Subject : Request for Verification and Removal of Unauthorized Inquiries To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law. 

Attached are my identification and proof of address. 

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Section 609 of the FCRA was violated and not followed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
equifax XXXX and experian they fail to address errors or provide adequate investigations

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 2025-08-18 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: TX

Complaint narrative:
equifax XXXX and experian they fail to address errors or provide adequate investigations

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 2025-08-18 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. Despite providing Experian with my complete FTC Identity Theft Report ( FTC Report # XXXX ) and supporting documentation, they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), failed to provide investigation results within the 30-day statutory period as required under 1681i ( a ) ( 6 ), and failed to block fraudulent information from my file as mandated under 1681c-2. In fact, Experian has allowed the continued reporting of fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which are causing ongoing and irreparable harm to my credit standing. These actions directly violate my rights under federal law and mirror conduct for which credit bureaus have previously faced legal consequences.

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 2025-08-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
Personal Statement Regarding Fraudulent Inquiries I, XXXX XXXX, am submitting this statement in connection with my Identity Theft Report. I am a victim of identity theft, and I did not apply for or authorize the following credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and are the direct result of fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am exercising my right to block and remove information resulting from identity theft. This law requires consumer reporting agencies to permanently block fraudulent information from my credit file once they receive : Proof of identity, A copy of my identity theft report, and My written statement disputing the fraudulent information. 
Additionally, under XXXX XXXX. XXXX, credit inquiries must have a permissible purpose. Because I did not authorize or initiate these transactions, these companies had no permissible purpose to access my credit file. 
Therefore, I am demanding that all XXXX of the above-listed inquiries be immediately deleted from my credit report. Their continued presence is inaccurate and violates my rights under the FCRA.

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 2025-08-18 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: TX

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-08-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PHONE # XXXX XXXX XX/XX/XXXX SN # XXXX EMAIL XXXX XX/XX/XXXX XXXX ( Servicing Center ) XXXX XXXX XXXX XXXX XXXX MO XXXX Subject XXXX Request for Student Loan Forbearance Account ALL XXXX XXXX LOANS To Whom It May Concern, I am writing to formally request temporary forbearance on my federal student loan account serviced by XXXX. Due to my current financial hardship and temporary inability to make monthly payments, I am seeking relief under the forbearance provisions available for federal student loans. 
Loan Servicer Name : XXXX Borrower Name : XXXX XXXX XXXX XXXX XXXX ( s ) : ALL XXXX  LOANS I am requesting forbearance for the following reason : X Financial Hardship Medical Issues Unemployment Other : [ Explain briefly ] Please advise me of the appropriate steps, forms, or documentation required to process this request. I understand that interest may continue to accrue during the forbearance period, and I accept responsibility for any interest charges incurred. 
If possible, please confirm the duration of the forbearance and whether it will be retroactively applied ( if applicable ). I would appreciate a written response confirming the approval and terms of the forbearance request. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance during this challenging time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PHONE # XXXX XXXX XX/XX/XXXX SN # XXXX EMAIL XXXX U.S. Department of Education Federal Student Aid XXXX XXXX XXXX XXXX XXXX, KY XXXX Subject : Request for Forbearance on Federal Student Loans Borrower Account : FOR ALL DEPT OF ED LOANS Last 4 of SSN : XXXX Dear U.S. Department of Education Representative, I am writing to formally request a forbearance on my federal student loans currently held with the U.S. Department of Education. Due to financial hardship, I am currently unable to maintain my monthly loan payments and respectfully seek temporary relief through an available forbearance option. 

I am aware that forbearance does not forgive loan balances and that interest may continue to accrue during the forbearance period. I fully accept responsibility for any interest that accrues unless it is subsidized by the government.

Please advise me of any additional documentation or official forms required to complete this request. I am willing to cooperate fully and submit any paperwork necessary to process this request promptly. 

I would greatly appreciate a written confirmation once this forbearance request has been reviewed and either approved or denied. 

Thank you for your attention to this matter and your continued support to student borrowers like myself during times of hardship. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing XXXX reinsertion of a previously deleted collection tradeline from XXXX XXXX ( {$2700.00}, original creditor : XXXX XXXX XXXX  ). 
This account was removed from my file and later reappeared, but I never received the required written notice within XXXX business days as required by FCRA XXXX ( a ) ( XXXX ) ( B ). 

The reappearance of this negative account without proper notice is inaccurate and is harming my ability to qualify for housing and credit, despite my good-faith efforts to correct my report.

Company response to consumer: Closed with explanation