vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax is inaccurately reporting a collection account from XXXX XXXX ( Account # * XXXX ) on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a formal dispute regarding this account to Equifax. Despite my dispute, Equifax failed to conduct a reasonable reinvestigation and merely verified the account as accurate without obtaining or providing any original source documentation to substantiate the debt. 

I am attaching the dispute results dated XX/XX/year> with Confirmation # XXXX. The results show that Equifax simply " verified '' the account without meaningful investigation. Under the FCRA, a furnisher 's certification alone is insufficient when a consumer disputes the existence, accuracy, or ownership of an account. 

Equifaxs handling of this matter violates several key provisions of federal law : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) : Continuing to furnish and report information that is inaccurate or unverifiable.

I continue to dispute the ownership and validity of this collection account. No proof such as a signed contract, billing statements, or account application was ever provided. Equifaxs reliance solely on the furnishers unverified confirmation fails to satisfy the reinvestigation requirements under the FCRA.

Attached to this complaint are : A copy of Equifaxs XX/XX/year> dispute results ( Confirmation # XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX and XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c.

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account XXXX # XXXX I am requesting that you validate this debt. I am demanding you to send me a detailed list of payments made by me on this account. I also want to see the signature that I put on a contract guaranteeing that I would pay this creditor. Documentation proving your legal authorization to collect on this alleged debt. Lastly I want proof of the chain of custody of the debt if it has been sold or transferred. If you can not provide proper validation, you must cease collection activities and remove any negative Information you may have reported to credit bureaus regarding this debt. Until I receive the requested information, I am requesting that you cease all collection activities, including reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: TN

Complaint narrative:
My previous complaint dealing with a private student loan was taken back to Sallie Mae. However, there has been no way for me to actively pay the loan without giving my information over the phone. No payment plans or anything like that. It was never on my Sallie Mae account at all after it was sold off and brought back to Sallie Mae. I've received, at best, XXXX letters in the mail regarding the remaining amount months ago, but there was no indication of where I needed to pay it besides giving my personal information over a phone call to agent. 

In fact, my biggest complaint overall is that the day I received a call from Sallie Mae when they had gotten my loan back, I expressed I had just lost my XXXX  XXXX DAY prior and the agent was incredibly rude about it and pressuring me to pay over the phone. I ended up paying {$90.00} holding fee for no reason to this agent over the phone in the midst of my new grief. She was incredibly pushy and purposefully tried to intimidate me. On the phone call, you can hear a family member of mine stating they could hear the woman being rude to me while I was explaining to her that my mother had just passed away. This was the day after XXXX XXXX. 

My mother had not been dead XXXX hours yet. Sallie Mae has been incredibly unprofessional since they initially sold off my private loan to an unreachable company, knowing it would affect my credit. I'm sure others have had similar experiences with Sallie Mae and their predatory practices. Despite all this, prior to them selling off my loan, my payments were always on time. 

They've now sent my loan to a debt collector. Not once did they ever make my loan accessible to be paid without speaking to them over the phone. After the last phone call I had with them, the thought of speaking to them made me incredibly stressed and anxious because of how pushy the customer service rep was. I can only assume this all stems from my initial complaint and I was being intimidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : * * Request for Clarification on Credit Boost Reporting Dear Consumer Financial Services Team, I hope this message finds you well. I am writing to address an issue regarding my account, [ Account NumbeXXXX : XXXX. Despite signing up for the XXXX XXXX program twice, my consistent payment history has not been reflected on my credit report. 

For over XXXX years, I have been regularly paying my electric bills, XXXX, water bill XXXX XXXX along with other accounts such as XXXX account XXXX, XXXX, XXXX and XXXX These payments should qualify for reporting through the XXXX  XXXX program. However, it seems that they have not been included in my credit file. 

Could you kindly provide clarification as to why these payments are not being reported? I have taken great care to ensure timely payments and would appreciate your assistance in resolving this matter promptly. 

Thank you for your attention, and I look forward to your response. 

Best regards, 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 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I have never received a copy of my original signed promissory note. I would like a full accounting of my student loan accounts. Additionally, when I arrived to XXXX XXXX XXXX in XX/XX/year> as an evacuee from XXXX XXXX, LA I was married, homeless and without a job. I was told the first year of school at XXXX would be all expenses paid, but I do not see this reflective in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hard inquiries : I'm not the one making these requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed multiple unauthorized credit inquiries on my credit report from companies I have never heard of and never gave permission to access my credit. These hard inquiries appeared on XX/XX/year>. I did not apply for credit, loans, or services with these companies, nor did I authorize any third parties to check my credit during this time. I have contacted the companies directly to dispute the inquiries, but I have not received a resolution. These unauthorized inquiries are negatively impacting my credit score.

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 2025-04-27 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: IL

Complaint narrative:
I noticed multiple unauthorized credit inquiries on my credit report from companies I have never heard of and never gave permission to access my credit. These hard inquiries appeared on XX/XX/year>. I did not apply for credit, loans, or services with these companies, nor did I authorize any third parties to check my credit during this time. I have contacted the companies directly to dispute the inquiries, but I have not received a resolution. These unauthorized inquiries are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was informed of a data breach with Equifax and notice credit inquiries that have no attachment to any credit accounts. I informed them of the problem and Equifax insisted they were mine and valid. I made a dispute and within 2 hours of making the dispute Equifax closed the dispute and stated they were verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our account was fraudulently hacked, leveraging our spectrum information. They were able to gather enough personal information to then open a checking account through XXXX, XXXX. This was all fraudulent activity, but is still being reflected as an inquiry on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX was replaced with a target circle card in XX/XX/XXXX. The processor was changed to XXXX XXXX, all without properly notifying customers. Under the XXXX XXXX XXXX system monthly statements, when there was a transaction in the prior statement cycle, were properly Emailed. A payment due date and account balance was properly advised via electronic payment handling ( email and/or SMS messaging ). 
After XXXX XXXX took over ( between XX/XX/XXXX and XX/XX/XXXX ) those statements ceased to come to our Email. 
My wife sporadically buys things at XXXX but tends to use other credit cards for purchases. I handle the monthly credit card bills based on Emails and SMS from XXXX different store cards and credit cards. I have done so for the past XXXX years and never missed a payment ( over XXXX payments on time! ). On XX/XX/XXXX I was advised via XXXX XXXX of a significant drop in my credit rating from XXXX to XXXX with a note stating I had a delinquent account. I obtained my detailed credit report and found that XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX purchases at XXXX using the XXXX card went unpaid. I immediately settled the {$250.00} and the account is now paid in full ( inclusive of penalties ). From the middle of XXXX till today XX/XX/XXXX, I received no calls, warnings, emails or anything about these outstanding charges. I do not have any notice from XXXX about marking my account delinquent. I called XXXX XXXX XXXX customer service and spoke to them at length on XX/XX/XXXX. I was not given due respect for my impeccable payment record, and they refused to refund late/missing payment charges of {$71.00}. I was made to feel like a common thief to put it bluntly. 
I believe that XXXX  and XXXX XXXX, the card processor, are acting illegally when they state they are no longer obliged to Email or text Statements and payment due notices.

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 2025-04-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a shed from XXXX XXXX XXXX online on XX/XX/XXXX. When the installer came on XX/XX/XXXX, the incorrect paint color was delivered with the shed. The installer was unable to paint the shed a different color than the color that was provided. I discussed this issue with both XXXX and the installation company who were supposed to resolve the issue. Multiple attempts were made to contact XXXX Customer Solutions team with no response. A final attempt to resolve the issue directly was a voicemail left on XX/XX/XXXX that never received a response. A dispute with Synchrony Bank was filed on XX/XX/XXXX with a resolution date of XX/XX/XXXX. The resolution was closed with a statement that We have been advised by the merchant that they are working with you to resolve the quality concern and informed us that repairs are scheduled. An additional attempt to confirm this on XX/XX/XXXX with XXXX resulted in the need to again leave a voicemail which has gone without response.

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 2025-04-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief