vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I received two Direct Parent Plus loans for my daughter, XXXX XXXX, in the fall of XXXX. She graduated in the Spring of XXXX. In the months leading up to the start of repayment, I received no outreach from XXXX, the servicer of these loans. Once the first due date had come and gone, I still received no outreach. Even as my loans became 90 days delinquent, I got no calls, no email, nothing via regular mail. 

I only learned of the delinquency from an alert on my personal credit report. I called XXXX immediately, got the details and brought the loan current. I also confirmed that they had my cell phone number, email address and mailing address. I requested copies of the documents they had sent and/or other correspondence they had attempted, but was told I could not receive them. 

I asked that they reconsider reporting my accounts as delinquent and was told that was not an option. So I am now taking additional steps to request that my accounts be updated with all credit reporting bureaus to show that they have never been late, due to a complete lack of correspondence to alert me that payment was coming due or that payment ( s ) had been missed. 

I still have never received anything from XXXX regarding these loans via any avenue of outreach.

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 2025-05-20 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: IL

Complaint narrative:
I received two Direct Parent Plus loans for my daughter, XXXX XXXX, in the fall of XXXX. She graduated in the Spring of XXXX. In the months leading up to the start of repayment, I received no outreach from XXXX, the servicer of these loans. Once the first due date had come and gone, I still received no outreach. Even as my loans became 90 days delinquent, I got no calls, no email, nothing via regular mail. 

I only learned of the delinquency from an alert on my personal credit report. I called XXXX immediately, got the details and brought the loan current. I also confirmed that they had my cell phone number, email address and mailing address. I requested copies of the documents they had sent and/or other correspondence they had attempted, but was told I could not receive them. 

I asked that they reconsider reporting my accounts as delinquent and was told that was not an option. So I am now taking additional steps to request that my accounts be updated with all credit reporting bureaus to show that they have never been late, due to a complete lack of correspondence to alert me that payment was coming due or that payment ( s ) had been missed. 

I still have never received anything from XXXX regarding these loans via any avenue of outreach.

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 2025-05-20 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: IL

Complaint narrative:
I received two Direct Parent Plus loans for my daughter, XXXX XXXX, in the fall of XXXX. She graduated in the Spring of XXXX. In the months leading up to the start of repayment, I received no outreach from XXXX, the servicer of these loans. Once the first due date had come and gone, I still received no outreach. Even as my loans became 90 days delinquent, I got no calls, no email, nothing via regular mail. 

I only learned of the delinquency from an alert on my personal credit report. I called XXXX immediately, got the details and brought the loan current. I also confirmed that they had my cell phone number, email address and mailing address. I requested copies of the documents they had sent and/or other correspondence they had attempted, but was told I could not receive them. 

I asked that they reconsider reporting my accounts as delinquent and was told that was not an option. So I am now taking additional steps to request that my accounts be updated with all credit reporting bureaus to show that they have never been late, due to a complete lack of correspondence to alert me that payment was coming due or that payment ( s ) had been missed. 

I still have never received anything from XXXX regarding these loans via any avenue of outreach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Okay, XXXX. XXXX tienes XXXX XXXX XXXX XXXX XXXX XXXX al ingls, listos para que XXXX uses en XXXX XXXX de XXXX : Part 1 : Describe what happened, and well send your comments to the companies involved. 

My name is XXXX XXXX. I had a loan with Citibank ( last XXXX digits of loan number : XXXX ). This loan had a scheduled full auto-payment for XX/XX/year>. 

I decided to pay off this loan early and made the full payment on XX/XX/year>. After this payment, the loan account disappeared from my online banking, confirming it was settled. 

Despite the loan being fully paid off and the account seemingly closed, on XX/XX/year>, Citibank processed the originally scheduled auto-payment, erroneously debiting {$7600.00} from my personal XXXX checking account ( last XXXX digits : XXXX ). This debit was an error as no debt was outstanding. 

Adding to the confusion, on XX/XX/year>, I received an email from Citibank stating they " couldn't process the payment. '' This is contradictory, as the {$7600.00} debit was indeed processed and the money was withdrawn from my XXXX account on XX/XX/year>. ( I can provide a copy of this email ). 

As of today, XX/XX/year>, more than XXXX days have passed since this erroneous debit, and Citibank has not yet refunded my money. 

I have unsuccessfully attempted to resolve this issue directly with Citibank. I have called the bank on XXXX separate occasions, including calls made on XX/XX/year>, and yesterday, XX/XX/year>, to explain the error and request the return of my funds. Furthermore, today, XX/XX/year>, I personally visited a local Citibank branch to seek a resolution, but the issue remains unresolved, and my money has not been returned. 

This situation has caused me significant inconvenience and concern.

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 2025-05-20 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: MO

Complaint narrative:
I am complaining about the number of inquiries that have been made without my consent. I was already approved for XXXX XXXXXXXX XXXX, yet when I viewed my credit report from XXXX there were six inquires I did not approve ( XXXX # XXXX, Carmaz # XXXX, XXXX XXXX # XXXX ) and with XXXX I did not approve ( XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Consulting Services LLC
State: GA

Complaint narrative:
I am writing in response to a collection attempt received via text message on XXXX XXXX, 2025, regarding an alleged debt. Please consider this a formal request for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request that you provide the following : 1.The amount of the alleged debt ; 2.The name of the original creditor ; 3.A complete itemization of the debt, including all fees, interest, and other charges ; 4.Proof that you are legally authorized to collect on this debt, including the chain of assignment from the original creditor to your agency ; 5.A copy of the signed agreement or contract that created this debt ; 6.A statement that this debt is not beyond the statute of limitations for collection in my state.

Please cease all collection activities, including reporting to credit bureaus, until you have fully complied with this request. Any further contact without proper validation may be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

This is not a refusal to pay but a request for validation. Please also note that any attempt to contact my employer or conduct employment verification prior to validating the debt is strictly prohibited and will be viewed as a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MO

Complaint narrative:
This account from XXXX is currently reporting a charge-off with a balance of {$160.00}, which is inaccurate and inconsistent across bureaus. According to XXXX XXXX and the XXXX field formatting guide, a charge-off should not report an active balance unless the debt is being pursued or transferred to collections. 

The reporting fails to reflect full compliance across XXXX XXXX and XXXX in terms of status codes, balance updates, and last reported dates. Ive attempted resolution and requested validation of this reporting. No physical records were provided. 

This tradeline is being disputed due to incomplete and unverifiable data, including but not limited to : Status vs. balance inconsistency Incomplete payment history Possible duplicate data fields I request this account be removed or corrected in full compliance with FCRA 611 and XXXX XXXX field format standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-20 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 filing this report due to unauthorized accounts and fraudulent accounts and inquiries appearing on my credit report. I was also impacted by the date breach. I have disputed these accounts and they failed to provide me with proof or a legal document showing me these accounts belong to me, Here are the unauthorized accounts : DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please review the report entirely to see all fraudulent accounts. Also here are the inquiries reporting!!! 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 2025-05-20 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: NC

Complaint narrative:
I am filing this report due to unauthorized accounts and fraudulent accounts and inquiries appearing on my credit report. I was also impacted by the date breach. I have disputed these accounts and they failed to provide me with proof or a legal document showing me these accounts belong to me, Here are the unauthorized accounts : DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please review the report entirely to see all fraudulent accounts. Also here are the inquiries reporting!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$6800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
My credit score took a huge downward spiral due to COVID. At the time of COVID I worked for a XXXX XXXX XXXX XXXX When COVID hit and hospitals were shutting down and not letting people into their hospitals, I lost my job. All elective surgeries were cancelled. The company that I worked for owed me a large sum of money and would not pay it. So for several months I went without pay and was unable to pay my bills, credit cards included.

This is, in the insurance business, " an act of XXXX ''. This means that the events unfolding during COVID was out of my control and directly effected me and my ability to pay my bills.

I absolutely should not have to suffer a bad credit score due to things out of my control. I did not pay my bills back then NOT DUE TO BEING IRRESPONSIBLE but due to a world wide lock down.

I care about my credit score and rating and always have. I am NOT an irresponsible person that doesn't pay his bills. As soon as the lock downs lifted and I was able to go back to work, I began paying back my delinquent accounts. WHY? BECAUSE IT MATTERS. Due to this stupid time in history, my score looks as though I am an irresponsible person that is not worthy of a good credit score. It has taken me years to recover from this event and my score still suffers to this day.

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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2023 I switched phone carriers. 
Then this occurred : A debt from my previous mobile telephone company, XXXX , locked me out of my account when I switched services. I was trying to make my final payment, but I could not get through to anyone over the phone or online. After that I could not find any account information and never received a final bill for the final payment. I don't have a specific date, but I visited XXXX and returned 3 phones that should have cut the debt down by at least 75 % of the debt they are trying to collect. The person at the counter told me that I should receive a final bill that will be recalculated since I returned the phones. He even took a phone that was 100 % paid off. 
The debt disappeared from my credit report some time ago, so I thought it was all cleared up. Just the other day, XX/XX/XXXX it appeared to be back on my credit report, and has been sent to collections. 

I never received notice from XXXX or any bill, whether it be an email, letter in the mail or a phone call. I never received any communication from the debt collector that is reported on my credit report. I was never informed of anything in regards to this account. I just want it all resolved and removed from collections.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
At approximately XXXXXXXX XXXX on XXXX XXXX XXXX I heard my mother call for me from the living room. She stated, XXXX, why is this bank calling me saying you havent paid them? Why are they calling me about it? 

To be transparent I had missed a full payment but it slipped my mind. I dont not mind them calling me however I have never authorized Comenity Bank to contact anyone but me regarding my account. They should not have disclosed that I owed them money per the law. They can only state who they are and who they are looking for. This was an illegal collection attempted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I send certified letter to TransUnion, Experian, and Equifax to have my name, address, date of birth and employer updated. 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I send certified letter to TransUnion, Experian, and Equifax to have my name, address, date of birth and employer updated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Demand for deletion of Student Loan Accounts under FERPA. I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent. Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting. Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S department of Education. and other regulatory agencies as necessary. I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

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