vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
This XXXX XXXX XXXX XXXX account was opened fraudulently and I am filing a formal identity theft report pursuant to FCRA section 605b. 

I am uploading supporting documents, along with an official identity theft report filed with the Federal Trade Commission, to verify my identity.

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 2025-04-11 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-04-11 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: NC

Complaint narrative:
I am writing to formally dispute late payments that appear on my credit report related to my account with XXXX and XXXX XXXX account numbers XXXX  and XXXX. These late payments have significantly impacted my credit score, and I respectfully request that they be removed as a goodwill adjustment or due to the extenuating circumstances surrounding the delinquencies. 


Since that time, I have made every effort to bring the account current and maintain a consistent payment history. I value my relationship with [ Creditors Name ] and have taken proactive steps to manage my financial responsibilities more effectively. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that only accurate and complete information should be reported. While I do not dispute that there were missed payments, I am requesting a goodwill adjustment as these were not indicative of my overall credit behavior and were caused by temporary hardship. 

This request is also being submitted as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as I believe it deserves further review. I would appreciate your assistance in re-evaluating the reporting of these late payments and consider removing them in light of the circumstances and my subsequent positive payment history. 

Thank you for your time and understanding. I hope to resolve this matter in a way that is fair and beneficial for both parties.

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 2025-04-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-11 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 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 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 2025-04-11 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: MD

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am terribly disappointed and damaged/injured ( FICO Scores ) as a result of this company 's predatory lending practices. 

Suffice it to say, XXXX XXXX XXXX XXXX is a predatory lending scam. My initial credit limit was {$7200.00}. Mind you, I've never been late ( until recently ) and made multiple payments every month ; way ahead of the due date. 

All of a sudden, without warning, a few months ago - your company- without warning or notice- unilaterally took about XXXX plus from my initial credit limit, which immediately pushed me over my NEW preset limit. Caveat, I am not even aware of this supposed new preset limit, is. 

Consequently, just as I was about to get a credit card/debt consolidation loan to pay off all of my credit cards, XXXX pulled this stunt, which sent my FICO scores plummeting which completely killed my chances of securing said consolidation loan. 

Subsequently, I've been flooded with a mountain of junk fees and the interest rate appears to be about 50 % ( it seems ) or greater. I no longer want this predatory credit card. My goal is to reach a mutually beneficial deal/agreement and pay this debt off ASAP and NEVER deal with this fraudulent company EVER AGAIN. 

Furthermore, I need my interest rate significantly reduced ASAP as I work diligently to pay this account off. Your company is actively tanking my credit by the day and thus far, no one at your SCAM company has not attempted to negotiate with me. I am requesting that all those junk fees get re-credited to my account IMMEDIATELY. 

This company owes me a sincere apology for all of the subterfuge they've caused and my good credit rating. I am seriously considering filing a suit, possibly a class action suit against this company within the next few weeks if this isn't resolved to my benefit. In addition, I plan on launching an all-out social media campaign against them. Let it be known that I have over XXXX followers on several of my social media platforms.

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 2025-04-11 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, 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 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 2025-04-11 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, 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 2025-04-11 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: GA

Complaint narrative:
I have been attempting to reach experian to get access to my account since I no longer have access due to phone number change and I keep getting transferred to robots and when I do get a actually human on the phone they hang up on me or transfer me to another robot which says cant help me.

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I am writing to formally file a complaint regarding a serious and unresolved issue with my federal student loans, which are currently serviced by Aidvantage. 

On XX/XX/year>2025, I was quoted a monthly XXXX XXXX payment of $ XXXXa gross miscalculation. Based on my income and enrollment in the Income-Driven Repayment ( IDR ) Plan Pay As You Earn ( PAYE ), the correct payment should be approximately {$1300.00} per month. I have contacted Aidvantage repeatedly over the past four weeks, speaking with more than five different representatives, and their staff has openly admitted this is a systemic error on their end. 

Each time I called, I was assured that the issue would be corrected by XX/XX/year>2025. However, when I followed up on XX/XX/XXXX, the representative I spoke with had no knowledge of any prior conversations, showed no awareness of the XX/XX/XXXX resolution deadline, and provided no clear path forward. I was told the issue could or may not be resolved, and despite my repeated requests, I was not permitted to speak with a supervisor. The lack of continuity, transparency, and accountability is completely unacceptable and deeply distressing. 

To make matters worse, Aidvantage has placed my loans into forbearance while they attempt to resolve their internal error, further disadvantaging me as a responsible borrower. This forbearance negatively impacts my progress toward Public Service Loan Forgiveness ( PSLF ), by potentially disqualifying these months from my qualifying payment count. I feel I am being punished for a failure that is entirely theirs. I have done everything asked of me, complied with all requirements and deadlines, and stayed on top of my repayment obligations. 

This situation has caused me extreme XXXX. I am currently experiencing a high-risk XXXX, and this ongoing issue is directly affecting my health and well-being. The time and energy required to repeatedly follow up with Aidvantageoften during business hourshas also interfered with my responsibilities as a XXXX XXXX XXXX compounding my XXXX and professional burden. 

I respectfully request immediate intervention to : 1. Correct my monthly payment to the appropriate amount ( approximately {$1300.00} per PAYE guidelines ).

2. Remove the forbearance designation and ensure all eligible months count toward PSLF.

3. Prevent any negative credit reporting, interest capitalization, or financial penalties resulting from this error.

4. Hold Aidvantage accountable for its failure to resolve this acknowledged issue and the unacceptable lack of internal communication and customer support.

I am happy to provide documentation including income verification, repayment plan records, correspondence logs, and more.

Thank you for your time and attention to this matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TN

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 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 2025-04-11 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: MS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-04-11 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Im writing to dispute overdraft fees that were recently charged to my account despite timely deposits made to cover the related transactions. 

On XXXX/XXXX/2025, I received an Insufficient Funds notice/Extra Day Grace Period for two separate transactions. That same evening, at approximately XXXX XXXX I deposited a check in the amount of {$740.00} to cover both. However, on XX/XX/scrub>/2025, I was charged two {$35.00} overdraft fees for those transactions. Although the deposit was still pending in the Wells Fargo mobile app, it was made prior to the Grace Period deadline. 

Additionally, on XX/XX/year>2025, I received another Insufficient Funds notice/Extra Day Grace Period for a transaction in the amount of {$410.00}. I deposited {$420.00} in cash that evening at approximately XXXX XXXX to cover it. Despite this, I was charged another {$35.00} overdraft fee on XX/XX/year>2025. 

Im concerned that deposits are being processed after withdrawals, and that overdraft fees are being prioritized over covering the transactions themselves, which appears to result in unnecessary charges.

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 2025-04-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-11 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-11 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-04-11 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: LA

Complaint narrative:
XXXX XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have submitted several disputes to Experian requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. If they could not provide these documents, then they were to remove this account permanently. These documents were not provided and the account has not been 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 explanation