vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: OK

Complaint narrative:
I am a XXXX XXXX XXXX XXXXXXXX veteran and was approved for XXXX XXXX XXXX XXXX ( XXXX  ) discharge of my federal student loans over [ X months ] ago. The loans were serviced by XXXX. 

Despite my loan showing a {$0.00} balance on both StudentAid.gov and the XXXX portal, the loans still appear as active and unpaid on my credit reports ( XXXX XXXX XXXX  ). This has severely impacted my credit and caused unnecessary stress. 

I submitted my XXXX documentation and was informed that the loans were successfully discharged, but XXXX has not reported this to the credit bureaus. 

I have attempted to dispute the tradeline with the credit bureaus, but XXXX continues to verify the incorrect information. I have also been unable to reach XXXX by phone or receive assistance via mail. 

I am requesting that the CFPB assist in having XXXX update all credit reporting agencies to reflect a {$0.00} balance and a discharged status, in compliance with my approved XXXX discharge and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a 100 % permanently XXXX veteran and was approved for Total and Permanent XXXX ( TPD ) discharge of my federal student loans over [ X months ] ago. The loans were serviced by XXXX. 

Despite my loan showing a {$0.00} balance on both XXXX and the XXXX XXXX, the loans still appear as active and unpaid on my credit reports ( Equifax, TransUnion, Experian ). This has severely impacted my credit and caused unnecessary stress. 

I submitted my XXXX documentation and was informed that the loans were successfully XXXX, but XXXX has not reported this to the credit bureaus. 

I have attempted to dispute the tradeline with the credit bureaus, but XXXX continues to verify the incorrect information. I have also been unable to reach XXXX by phone or receive assistance via mail. 

I am requesting that the CFPB assist in having XXXX update all credit reporting agencies to reflect a {$0.00} balance and a XXXX status, in compliance with my approved XXXX discharge and the Fair Credit Reporting Act.

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 2025-06-29 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: OK

Complaint narrative:
I am a 100 % permanently XXXX veteran and was approved for Total and Permanent XXXX ( TPD ) discharge of my federal student loans over [ X months ] ago. The loans were serviced by XXXX. 

Despite my loan showing a {$0.00} balance on both XXXX and the XXXX XXXX, the loans still appear as active and unpaid on my credit reports ( Equifax, TransUnion, Experian ). This has severely impacted my credit and caused unnecessary stress. 

I submitted my XXXX documentation and was informed that the loans were successfully XXXX, but XXXX has not reported this to the credit bureaus. 

I have attempted to dispute the tradeline with the credit bureaus, but XXXX continues to verify the incorrect information. I have also been unable to reach XXXX by phone or receive assistance via mail. 

I am requesting that the CFPB assist in having XXXX update all credit reporting agencies to reflect a {$0.00} balance and a XXXX status, in compliance with my approved XXXX discharge and the Fair Credit Reporting Act.

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 2025-06-29 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:
I am disputing the late payments reported on my auto loan with XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments. If no proof can be provided, the account should be updated to show on-time payments. 

This account was active during the COVID-19 disaster period, so late payment reporting may also violate the CARES Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries on my Experian credit report that I did not authorize for the purpose of obtaining credit. These inquiries are listed below : ONEMAIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are inaccurate and should be removed because I never received a loan, line of credit, or funds from these companies. Submitting an application or checking loan options does not legally justify a hard inquiry unless credit is extended. 

According to the FCRA ( 15 U.S. Code 1681b ), credit reporting agencies are required to ensure that all inquiries have a permissible purpose. I request that you immediately remove these unauthorized inquiries or provide documentation proving that I received credit or funds from these companies. 

If no documentation is available, these inquiries must be deleted as they are negatively impacting my credit report without valid grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Complaint Against LVNV Funding LLC Filed : XX/XX/XXXX Issue : Unvalidated Debt Collection with Excessive Fees Description of Problem : LVNV Funding LLC is attempting to collect : Original claimed debt : {$450.00} ( XXXX account closed XXXX ) Current demand : {$990.00} Unjustified fees : {$540.00} ( 122 % increase ) comprising : {$320.00} late fees ( 73 % of original ) {$120.00} " collection costs '' ( 27 % of original ) {$100.00} unexplained " service charges '' Company Failures : Can not provide : Original signed agreement authorizing these fees Proof they legally own the debt Itemized fee justification Has ignored : Debt validation request sent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  attempts to dispute via the Iowa e-filing system ( error screenshots available ) Legal Violations : FDCPA 1692f ( 1 ) : Prohibits " unfair or unconscionable '' fees Iowa Code 537.7101 : Limits collection fees to reasonable costs Requested Resolution : Cancel all unauthorized fees ( {$540.00} ) Provide signed fee authorization documents Remove from credit reports if validation fails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
b'XXXX  - XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission; fraud attempt\n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without permission ; fraud attempt \n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission\n\nXXXX - XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - pulled my credit without permission\n\nXXXX & XXXX - XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without my permission\n\nTransunion Credit Bureau refuses to remove these inquiries from my report until the time expires despite me stating that I did not give permission for any of the above to pull my credit. I need all of these removed immediately by all 3 credit bureaus as soon as possible.'

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 2025-06-29 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: NJ

Complaint narrative:
b'XXXX  - XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission; fraud attempt\n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without permission ; fraud attempt \n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission\n\nXXXX - XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - pulled my credit without permission\n\nXXXX & XXXX - XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without my permission\n\nTransunion Credit Bureau refuses to remove these inquiries from my report until the time expires despite me stating that I did not give permission for any of the above to pull my credit. I need all of these removed immediately by all 3 credit bureaus as soon as possible.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not have access to my equifax account nor my annual credit report. I have reported the issue with equifax representatives that have only continued to send me the same reset links that are not working. Not sure if equifax is having technical issues with their website but it is illegal to not have access to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
My information was used fraudulently an account by XXXX XXXX XXXX was opened in XXXX, of XXXX  for {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because Credit Karma XXXX ( XXXX XXXX XXXX ) is reporting a closed account on my credit report that was shut down due to inactivity. I received no advance notice of the closure. 

While the account was in good standing and never delinquent, it is still reporting on my credit file in a way that is negatively affecting my credit score. I believe this continued reporting is unfair and does not accurately reflect my credit behavior or current financial position.

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have a right to dispute inaccurate or unverifiable information. I also submitted a goodwill request to the furnisher but received no resolution. 

I respectfully request the permanent deletion of this closed account from all consumer reporting agencies due to the lack of notice, impact on my score, and inability of the furnisher to properly verify or update the data.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a dispute case with Citi Mastercard on XX/XX/year> regarding a charge from a Merchant for goods not received, followed their protocol, completed documentation of proof that goods were never received and was told that they would run a full investigation and that they would be in contact with me once the Merchant responded to the claim prior to making a final decision of the dispute. ( This is all on audio recording with Citi, because I specifically asked to be recorded at the beginning of every call with them ). Citi did not follow their protocol as indicated and in turn reviewed the Merchant 's manipulated documentation that he provided, in which I have evidence that the documents were manipulated, and automatically charged my credit card for the goods even though I have several documents showing proof that goods were never received. I have made serveral attempts to speak with thier dispute resolution department about this case, which is all on audio records, but each time I contact them, I am told by the First Line Representative that they have no way of connecting me to that department and they can only send them an email to " request '' that they look into this issue further and then I am told it is up to the department whether they want to decide to hear further details of this case.

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 monetary relief
Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face 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 2025-06-29 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: Global Lending Services LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX  XXXX I am writing to formally dispute inaccurate information on my Equifax credit report. The following information does not belong to me and appears to be reported in error : Creditor Name : [ XXXX XXXX XXXX This account shows an Hard Inquiry under my file, but I have never had an account with this creditor, and this appears to belong to someone else. 

This information is negatively affecting my credit and is not related to any account I have ever opened. I request that Equifax investigate this matter and remove this incorrect information from my credit report as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX, has continued to report derogatory account information on my credit report related to an account that was charged off. Despite the charge-off, they have continued to update the status of this account in a way that negatively impacts my credit score - this includes new activity and balance updates long after the account was closed XXXX XXXX and charged off. Furthermore, XXXX is reporting that I owe { {$460.00} } on a credit card that had a maximum limit of { {$300.00} }. This suggests that either predatory overcharging, illegal fees, or outright inaccurate reporting. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy. What XXXX and Credit Control LLC is doing may be illegal due to the following reasons : 1. Re-aging or updating a Derogatory/charged-off account to make it appear active, which can unfairly extend the statute of limitations and the reporting period. 2. Reporting a balance that exceeds the account 's credit limit, which is not only inaccurate but suggests deceptive practices. XXXX. Continuing to furnish disputed information to the credit bureaus without resolving the dispute or verifying the data, which violates FCRA Section XXXX. I have submitted multiple disputes under the Fair Credit Reporting Act ( FCRA ), yet the data remains inaccurate and unverified. The furnisher has failed to comply with : FCRA 1681i ( a ) ( 1 ) ( A ) by not properly reinvestigating the disputed data within the statutory period ; FCRA 1681s-2 ( b ) ( 1 ) ( A ) - ( D ) by failing to conduct a reasonable investigation, review all relevant information, and delete information found to be inaccurate ; FCRA 1681e ( b ) by failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of the information reported ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report disputed information without proper verification or notification of dispute status ; FCRA 1681g and 1681h by failing to provide requested disclosures, contracts, and original documentation validating the debt. The creditor has not provided a signed agreement, detailed billing records, or verified evidence supporting the accuracy of the derogatory data. The continued reporting despite lack of substantiation constitutes willful and negligent noncompliance, which may trigger civil liability under FCRA 1681n and 1681o. I respectfully request that the CFPB investigate this matter and assist in having this derogatory mark removed from my credit report. This should not have occurred, and XXXX lack of communication and accountability must be addressed. Thank you for your time and support.

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