vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: AR

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding student loan accounts reported by [ Insert Servicer Name ( s ), e.g., XXXX, XXXX, etc. ]. 
-- - 1. Issue : Missing Master Promissory Note ( MPN ) Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ) Demand : Delete the account ( s ) unless the original, wet-ink signed XXXX is provided. Electronic or summary data is insufficient under federal evidentiary standards. If no valid contract exists, the account must be removed.

-- - 2. Issue : Inaccurate Reporting of Loan Status ( Forbearance/Deferment ) Law : 15 U.S.C. 1681s-2 ( b ) Demand : Verify whether this loan is under administrative forbearance or federal deferment. If so, it can not be reported as past due. If verification fails, delete the tradeline for inaccurate furnishing.

-- - 3. Issue : Metro 2 and CDIA Noncompliance Law : Metro 2 Format Guidelines & FCRA Demand : Reporting unverifiable or paused student loan accounts violates Metro 2 standards. If not accurately validated per CDIA guidelines, delete the account immediately.

-- - Failure to Comply : You must respond within 30 days under the FCRA. Noncompliance will be reported to the CFPB and may result in legal action under 15 U.S.C. 1681n and 1681o. 
-- - Accounts in Dispute : Dept of Education Aidvantage # 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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I attended XXXX in the spring of 2006. I was XXXX and did not have money, a job, a credit history, or a cosigner available when these loans were issued ; nor did I have to prove my ability to repay these loans. These were predatory loans that should NEVER have been awarded to me in the first place. No responsible lender would approve a loan for someone who didn't have an established positive credit history without a cosigner. These loans had a high interest rate - what started as ~ {$3000.00} quickly grew to over ~ {$6000.00}. 

Recently, my information was illegally accessed without my consent by the illegal and fictitious DOGE resulting in a FERPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX OF XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX  NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX OF XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX  NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
The following item do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I reported this account and it was closed after investigation due to fraudulent identity. I am asking to have this account completely DELETED from my credit history as it is affecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: Lendmark Financial Services
State: PA

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit report. I obtained a copy of my credit report from your agency and noticed inconsistencies in the account listed below : LendMark Financial Services, LLC. 
Account XXXX : XXXX Issues : a. ) One report shows a different balance than another for the same account. The balance on my Experian account is {$9500.00}, but the reported balance on my Transunion report is {$10000.00}. 

b. ) The number of days past due differs between reporting agencies. My XXXX account report that I am 150 days past due for ( XXXX and XXXX ). However, on my XXXX report, I am 120 days past due for ( XXXX, XXXX, XXXX ). There is inconsistent reporting during the same time period which violates FCRA 1681s-2 ( a ) -which requires accurate and consistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
TRANSUNION, ONCE AGAIN HAD INACCURACTE INFORMATION ON MY ACCOUT AND CONTINUE TO SAY THE ACCOUNT HAS BEEN VERIFIED AS ACCURATE. IT IS NOT AND IT NEEDS TO BEE DELETED NOW. 
THEY HAVE NOT VERIFIED OR CORRECTED ANYTHUNG ON THIS ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX  THIS INFORMATION HAS NOT BEEN CORRECTED. PSYMENT DATE IS WRONG, BALANCE IS WRONG, AND LAST PAYMENT IS WRONG. THIS NEEDS TO BE DELETED NOW OR TRANSUNION NEEDS TO BE FINED DUE TO NEGLIGENT UNVESTIGATIONS AND FRAUDULANT INFORMATION NOT BEING REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The information that is reporting back in the personal information section is not correct and i am requesting that it to be changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
I am submitting this complaint regarding XXXX account as reported by XXXX and Equifax. 

This account was a cellular phone service, not a loan or revolving account. It was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and sent to collections on XX/XX/XXXX. However, XXXX incorrectly reports it as a loan with 0 % paid off, and Equifax inaccurately shows the account as still open. 

In addition, both bureaus falsely reported late payments from XX/XX/XXXX to XX/XX/XXXX, even though the account had already been closed for over a year. This inaccurate reporting caused my credit score to drop approximately XXXX points over three separate instances, beginning XX/XX/XXXX. 

I received emails from a collection agency on XX/XX/XXXX and XX/XX/XXXX, and I responded to both, informing them that the account was being inaccurately reported. Despite that, no corrections were made. While the payment history now reflects 100 % paid, the score damage remains, and the incorrect account type and status are still being reported. 

I have disputed this account with both Equifax and XXXX multiple times throughout XXXX and XXXX, yet neither bureau has corrected the issues or conducted a meaningful investigation. 

As a result of this false reporting, I have been denied housing, loans, credit cards, and the ability to open new bank accounts. These errors have caused ongoing harm. 

I have credit monitoring records and screenshots showing the incorrect information and the related score drops, which I can provide upon request. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and timely information in my credit file. The continued reporting of inaccurate information and failure to properly investigate my disputes is a direct violation of the FCRA. Additionally, the collection agency and/or furnisher have likely violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to respond properly to my dispute and failing to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Credit Control, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX account as reported by XXXX  and XXXX 

This account was a cellular phone service, not a loan or revolving account. It was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and sent to collections on XX/XX/XXXX. However, XXXX incorrectly reports it as a loan with 0 % paid off, and XXXX  inaccurately shows the account as still open. 

In addition, both bureaus falsely reported late payments from XX/XX/XXXX to XX/XX/XXXX, even though the account had already been closed for over a year. This inaccurate reporting caused my credit score to drop approximately XXXX points over XXXX separate instances, beginning XX/XX/XXXX. 

I received emails from a collection agency on XX/XX/XXXX and XX/XX/XXXX, and I responded to both, informing them that the account was being inaccurately reported. Despite that, no corrections were made. While the payment history now reflects 100 % paid, the score damage remains, and the incorrect account type and status are still being reported. 

I have disputed this account with both XXXX  and XXXX multiple times throughout XXXX and XXXX, yet neither bureau has corrected the issues or conducted a meaningful investigation. 

As a result of this false reporting, I have been denied housing, loans, credit cards, and the ability to open new bank accounts. These errors have caused ongoing harm. 

I have credit monitoring records and screenshots showing the incorrect information and the related score drops, which I can provide upon request. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and timely information in my credit file. The continued reporting of inaccurate information and failure to properly investigate my disputes is a direct violation of the FCRA. Additionally, the collection agency and/or furnisher have likely violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to respond properly to my dispute and failing to verify the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
on Sunday XX/XX/scrub>, 2025 i went to XXXXXXXX XXXX XXXX to buy a patio set for {$740.00}. we verified that it was in stock and since they had free next day delivery i ordered it delivered. later they canceled the order saying it was out of stock. so i went online on Tuesday and ordered it for instore pick up it was actually two items the table and 4 chairs. they again charged me {$480.00} and {$260.00}. and sent me an email telling me my stuff would be ready for pick up. then 10 minutes later sent another email telling me that only part of the order would be ready for pick up and issued a credit for {$250.00}. I then went to the store and spoke with customer service/returns. they were able to find both the table and the chairs instock. however you had locked my card so i could not charge the {$250.00} and had to use a different CC to pay for the chairs. Today when i was reviewing my statement i realized that XXXX had not credited the {$740.00} order they canceled. 

I then called Citi bank at XXXXXXXX XXXX today XX/XX/XXXX 2025. there automated systems could not understand my issue and when i asked the system for a rep they put me on hold for minutes and then told me it would be 5+ minutes to speak to some one. I want to dispute this {$740.00} charge and i still have my credit card. this is a huge error that needs to be corrected asap. also citi systems should give customer the ability to schedule a call back so we don't have to waste time holding for a rep that may not be available

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