vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Experian and TransUnion refuses to remove the false report from XXXX  XXXX XXXX  As someone in their company put in my report that the car was a repo when it was paid in full. There is, in fact, a correct report from XXXX XXXX XXXXXXXX showing in Experian that yes, the car was paid in full, and they still refuse to remove the double and false item from my report. They are doing the same thing with XXXX. I have given them proof that there was a written agreement, and Experian refuses to remove the negative from my credit report or to fix it showing as paid in full.

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 2025-09-27 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AZ

Complaint narrative:
I am writing regarding a serious issue with a missing payment on my loan account. 

On XX/XX/year>2025, my mother, XXXX, who is a cosigner on this loan, paid the loan balance in full over the phone. The payment was for {$4000.00} with confirmation number XXXX. This amount has cleared from her bank account. 
Despite this, the payment has not been applied to my loan. As of today, my account still shows a balance of {$3900.00}. This indicates that the payment was either misapplied to another account or incorrectly processed. 
When I called customer service to address this, I was told there was no record of the payment. I was further assured that my account would at least be made current, but that was never done. 
I have already submitted proof of payment, This is a significant amount of money, and I can not allow it to remain unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
received a form letter stating they were " unable to validate or process application '', no more explanation was given. I am a Bank client/customer for over 25 years so this reason is invalid. I wrote to a XXXX XXXX ( XXXX ) - who signed the letter - twice, to no reply. 
my FICOXXXX score is in the Very Good range. I suspect the problem is age bias being shown by the Bank as I am retired and own my home ( no mortgage or loans against it ) as an algorithm is used to process applications.

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 2025-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I initially sent a letter to firstmark services in early XXXX requesting the opportunity to negotiate a settlement for my private student loan due to extenuating circumstances and needing to go on XXXX. They responded back to me that this was illegal and therefore not possible. I know this is incorrect. I asked them to clarify multiple times on emails sent on XXXX XXXX and XXXX and received the same general response of, " We are a private loan servicing company. As a servicer, we act on behalf of our lenders to provide billing, payment processing, and customer service. 
Were unable to change the terms of your promissory note.We are unable to negotiate or compromise the total amount owed on your student loan. We must abide by applicable federal laws, regulations, and loan agreements. These require a borrower to repay the full amount of the principal owed plus any interest and other associated costs. '' This is concerning because the information they are sharing is inaccurate and they refuse to provide any additional information to support their claims even when I spoke to a supervisor on XX/XX/XXXX. I sent evidence to support my concern, " The * Consumer Financial Protection Bureau ( CFPB ) * states that private student loan borrowers may negotiate repayment arrangements directly with their lenders or collectors. 

* * Bankrate * confirms that private student loan settlements are legal and often handled directly with lenders, without federal involvement. 

* Legal resources such as * Student Loan Borrower Assistance * note that negotiation is a recognized option for private loans, even if it is not always advertised. '' They still sent the same general response. 
I ask for assistance because many people do now know this is something that can be discussed escpecially in times of great hardship. Referring to negotiation as going against " federal laws and regulations '' for a private student loan is misleading, dishonest, and fraudulent. After reading reviews I understand I am not the only person this happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I needed to get my car windshield repaired and the repair shop had me apply at Easy Pay Finance and talk to them on a call. I was told it would be a small finance charge for the first 90 days and then an interest charge after that. I expected a normal finance charge within legal limits, but they instead charged 199 % APR. It will be impossible to pay off with these usury interest rates. The amount was not obvious in the process and was unexpected given its exorbitant amount. I have now paid {$440.00} and have a balance of {$650.00} when the original financed amount was {$520.00} in XXXX of XXXX. The total amount owed will be {$1300.00}. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : TransUnion consumer Solutions XXXX XXXX XXXX XXXX Pa XXXX Re : Cease and Desist / Request for Deletion of Inaccurate and Unverifiable Information Report Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist and Dispute Notice regarding inaccurate, unverifiable, and derogatory information being reported in my XXXX  credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally required to maintain only accurate, complete, and verifiable information. 

I hereby dispute and demand the permanent deletion of the following categories of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only my current address XXXX XXXX XXXX XXXX XXXX, PA XXXX should remain XXXX file XXXX 

XXXX. Inquiries I dispute the following hard inquiries as unauthorized and/or lacking permissible purpose under 15 U.S.C. 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Deletion 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You must reinvestigate any disputed item within 30 days.

15 U.S.C. 1681e ( b ) : You must ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) : Furnishers can not report inaccurate information.

15 U.S.C. 1692c ( c ) ( FDCPA ) : This letter also serves as a Cease and Desist demand against any further collection communication.

Demand : If these items can not be 100 % verified with documented proof, they must be deleted from my credit report permanently. Failure to comply will result in formal complaints to the CFPB, FTC, and Attorney Generals Office, and I will pursue legal remedies for willful noncompliance. 

I request written confirmation of deletion within 30 days. 

Sincerely, 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
THIS HAS BEEN VERY BAD AND I DONT KNOW WHAT WILL HAPPEN NOW BECAUSE THIS FRAUDULENT INQUIRES APPEARED ON MY NAME RANDOMLY AND NOW I AM TRYING TO MAKE THEM GONE BECAUSE THEY ARE NOT MINE AND THIS IS MAKING MY LIFE WORSE, THESE ARE THE FRAUDULENT INQURIES THAT I AM REPEATING ARE NOT MINE XXXX XXXX XXXX XXXX, AND IN MY LIFE I AM NOT ALLOWING THIS KIND OF STUFF, XXXX XXXX XXXX, AND XXXX XXXXXXXX. I HOPE THIS IS SOMETHING THAT CAN BE FIXED BY YOU AND IS PART OF BEING A HUMAN I GUESS...

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : FCRA 623 ( b ) Direct Dispute Account # XXXX Dear XXXX XXXX XXXX XXXX Department, I am submitting a formal direct dispute regarding the tradeline you are furnishing to Equifax ( and other CRAs ) for Account # XXXX, which currently appears as Charged Off / Transferred to Recovery with a reported past-due balance of {$29000.00} Equifax Report from XXXX  We.

Basis of Dispute 1. Incomplete & Inaccurate Reporting FCRA 623 ( a ) ( 1 ) ( A ) : You are reporting this tradeline as charged off but continue to show an active past-due balance of {$29000.00}.

Metro 2 guidelines prohibit simultaneous reporting of Charged Off / Transferred and Balance Past Due.

2. 3. 4. 5. Failure to Report Required DOFD FCRA 605 ( c ) / Metro 2 Field 25 : You have failed to provide the Date of First Delinquency ( DOFD ). Without DOFD, the CRAs can not calculate the legal 7-year reporting period, making this tradeline non-compliant.

Payment History Misrepresentation FCRA 607 ( b ) : My Equifax file shows months coded as CO without a proper delinquency progression ( 30, 60, 90, 120 CO ).

This omission is misleading and inaccurate.

Responsibility Misclassification FCRA 609 ( a ) ( 2 ) / 623 ( a ) ( 1 ) ( A ) : The tradeline is being reported with me as a Co-maker.

I dispute this classification. If I did not legally enter into the obligation in this role, the reporting is false and violates your duty to ensure accuracy.

Unverifiable Debt FCRA 623 ( b ) : Unless you can furnish verifiable documentation ( original signed contract, complete payment history, accurate DOFD coding, and proof of liability ), this tradeline must be deemed unverifiable and deleted from all consumer reporting agencies.

Action Required Under FCRA 623 ( b ), as a furnisher of information, you are required to : Conduct a reasonable investigation into this dispute.

Provide verifiable documentation supporting the accuracy of the tradeline.

Report the results of your investigation to all credit reporting agencies within 30 days.

Delete or correct the tradeline if you can not fully substantiate it.

Notice of Liability If you fail to comply, this will constitute willful and/or negligent noncompliance under FCRA 616617 . Please note that I am fully prepared to escalate this matter by filing complaints with the CFPB, FTC, and the State Attorney General, and by pursuing all remedies available under law. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX : Copy of credit report showing XXXX XXXX XXXX XXXX XXXX of government-issued ID Proof of residence ( Insurance bill. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-27 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a notification that I have suspicious activity going on on my account when I went to go login I got another notification saying that someone changed my phone number on the account. They took they took my savings out of my account which was {$640.00} then they transferred {$490.00} to their account which I have never sent this person money before ever in my life or receive money from them then they transfer the money out of my credit builder account to my checking account so they can finish taking the rest, but I stopped them in the middle of mid transaction I filed a complaint for fraud they denied my complaint. I filed again. I showed all proof of how the person move my money around after I just got my paycheck deposited into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-27 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: MA

Complaint narrative:
I am following up regarding multiple inaccuracies, unauthorized inquiries, and unverifiable accounts that continue to appear on my credit reports with Experian, Equifax, and TransUnion, causing ongoing harm to my credit standing. Despite my previous disputes, these issues remain unresolved, and the reporting agencies have failed to correct or verify the information in accordance with the Fair Credit Reporting Act ( FCRA ). 
Experian continues to list addresses that are not mine, including XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Equifax reports inaccurate addresses such as XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX, while TransUnion is reporting XXXXXXXX XXXX XXXXXXXX MA XXXX and XXXX XXXX XXXX MA XXXX. These inaccurate identifiers create confusion and may link me to accounts I do not recognize. Under FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], FCRA XXXX ( a ) ( XXXX ) ( A ) [ 15 U.S.C. XXXX ], and FCRA XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ], these inaccurate addresses must be removed from my credit file. 
Experian and TransUnion are also reporting unauthorized inquiries, including XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, and they were not conducted for a permissible purpose. Under FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], reporting inquiries without authorization is a violation of my rights, and under FCRA XXXX [ 15 U.S.C. XXXX ] and FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], I am entitled to dispute and demand their removal. 
Additionally, all XXXX bureaus continue to report charge-off accounts that are inaccurate and unverifiable. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$490.00} * * and the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$1100.00} * * remain listed despite lacking proper verification. Under FCRA XXXX, FCRA XXXX ( b ), and FCRA XXXX, I have the right to block or remove any inaccurate or unverifiable charge-offs. In particular, the XXXX XXXX account exceeds {$600.00} and no IRS Form XXXX has been issued, meaning the debt has not been officially canceled. Reporting it as a negative item without proper documentation is misleading and harmful.

Company response to consumer: Closed with explanation