vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Dept of education XXXX XXXXXXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law. 
If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank You

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 2025-03-14 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:
XXXX XXXX XXXX SWEETGUM TRL APT XXXX XXXX, TX XXXX Equifax Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX  {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX LAST FOUR : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Southern Auto Finance Co
State: TX

Complaint narrative:
i cald the creditor and thay sed they wor not going to remov the negitve itum from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OneMain Finance Corporation
State: LA

Complaint narrative:
Hello, i filed a complaint with CFPB for incorrect information on my report. Case XXXX. I did let CFPB know that i was requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ONEMAIN personal loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company then responded with " they responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. '' After reviewing i immediately noticed all of this was still FALSE and identity theft!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.

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 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against IC System regarding a fraudulent collection account in the amount of {$470.00} from XXXX XXXX associated with account number XXXX. This collection account does not belong to me, and I am demanding its immediate removal from my credit report. 

Key Issues : This Is Not My Debt The Bill Belongs to a Different Person I have been living at my current address for over five years, and this bill belongs to the person who moved in after me, not me. 
IC System failed to properly verify that I was responsible for this debt before reporting it to the credit bureaus. 
Reporting a debt that does not belong to me is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Credit furnishers are prohibited from reporting inaccurate information about a consumer. 
IC System has wrongfully placed a collection account on my credit report without confirming that the debt is truly mine. 
Failure to Conduct Proper Debt Verification Violation of 15 U.S.C. 1692g ( FDCPA ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation of a debt when disputed. 
IC System has failed to prove that I am legally responsible for this debt. 
Potential Identity Theft Willingness to File a Police Report or Identity Theft Affidavit If necessary, I am prepared to file a police report and complete an identity theft affidavit to document that this debt is fraudulent and should not be associated with me. 
IC System must immediately remove this account from all three credit bureaus while this matter is being investigated.

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 2025-03-14 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MO

Complaint narrative:
As of XX/XX/XXXX, I applied for the XXXX XXXX XXXX through the Department of Education 's website. For the full year, XXXX to XX/XX/XXXX, my loans were placed on forbearance. I am a high school science teacher, whose qualifying salary allowed me to enter into this IDR Payment plan. On XX/XX/XXXX, I resubmitted my IDR Application to renew my forbearance for the upcoming year. On the US Dept. of Education 's website the following is stated under my application, " Your loan servicer has received your application. Theyll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. '' I have not received word from my Servicer, nor the Department of Education regarding my status on this loan. So, due to their untimely processing and lack of communication, I am now suddenly required to start making qualifying monthly payments. I can not afford this, due to my salary. On my servicer 's website, XXXX XXXX XXXX, they state, " If you have an IDR application that has not been processed within 60 days and have an unpaid bill within 10 days of the due date, MOHELA will automatically place a processing forbearance as directed by Federal Student Aid to your account. No action is required by you. MOHELA will notify you once your application is processed. '' Since they have not processed my application, this is in direct defiance of their own verbiage. My loan of {$15000.00} should be forgiven. 

I also did not receive an email stating that this IDR Payment plan was being dismantled by Donald Trump, his administration, and XXXX XXXX. We, as the people of the United States, were unaware to this process until it was too late. I find it unconstitutional, and a direct interference with my loan that XXXX XXXX went into my loan information without my consent and knowledge. XXXX ' direct interference with the Department of Education defies the law and crosses a line as someone who is not an elected United States Official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have called two separate times to pay off my XXXX credit card. And Ive had this issue each time. I called to make the payment and I tell them I want to pay the card completely off. I am assured by the agent-that its been paid off and that I have a XXXX balance the most recent time was in XX/XX/year>. Today I received information that my credit score had dropped because I had an account that was over 120 days late. When I looked into the account, it said it was the XXXX  Beauty card. I called XXXX  credit card company today andI was told that in XXXX there was interest accrued for the remainder of the month of XXXX. On what Im not sure because I was told I paid the balance off. I was told that the balance was XXXX cents and I was charged late fees for XXXX, XXXX, XXXX, XXXX, XXXX and again in XXXX. My total bill due as of today was a {$220.00}. {$220.00} of that fee were late fees because of the XXXX cent balance ( that I was told I did not have ). I am frustrated because I didnt receive bills telling me that theres any type of balance and I when I called in the end of XX/XX/year>. I was told there was no balance at that time. Now it is several months of late fees and its negative reporting to my credit score. This is a scam. Today I again spoke to a representative and told them I should have a XXXX balance and when I threatened to cancel the card, he said maam, Ill give you back $ XXXX youll just pay XXXX and then itll be a XXXX balance I dont believe for a second it will be a XXXX balance in XXXX. If I didnt pay something today it would continue to be late. The man I spoke to today explained that at that time there wasnt a balance because they hadnt charged the interest fee yet and the interest fee didnt show until XXXX. Thats why there was a {$.00} balance. This is not right if youre told you have a XXXX balance when you call to pay something off, you should have a XXXX balance. I am sure Im not the only person this is happening to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Hello! 

To whom it may concern it was brought to my attention that an unauthorized breach of my privacy and financial security has occurred on XX/XX/year>. The party responsible is known as DOGE or the Department of Government Efficiency and is an unrecognized and unlawful agency that posed as Government representatives and illegally obtained access to my personal records including student loan payment information and social security information.

It is with this knowledge in mind that I am formally submitting this request for student loan deferment or forgiveness. Up to or until a proper investigation is performed into the circumstances and the extent of this data breach can be fully understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a serious violation of my privacy and consumer rights. It has come to my attention that XXXX XXXX, or affiliates connected to him, have accessed my private, probated information through the Department of Education without my consent. 
As an individual whose sensitive data is protected by privacy laws, I find this access to my information both unlawful and deeply concerning. I have not granted permission for any individual or entity, including XXXX XXXX or his associates, to review or obtain my personal information through the Department of Education or any related channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt 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 2025-03-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX : XXXX XXXX XXXXXX/XX/2023 : XXXX XXXX XX/XX/2023 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX : XXXX XXXX XXXXXX/XX/2023 : XXXX XXXX XX/XX/2023 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate missing payments on a closed account as of XX/XX/XXXX. According to my records Ive contacted XXXX XXXX XXXX on XX/XX/XXXX to have this matter resolved, XXXX XXXX XXXX has failed to do so. Please investigate account XXXX Ive sent letter to the credit bureau nothings has been resolved in the last 2 years please resolve Company has failed to make this right after I contacted them and I think Ive suffered enough from the wrongful reporting company refuse to help me when Ive fell on hard times due to economic impact, and also refuse to help me when they are in the wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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