vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
The addresses located on my credit profile are incorrect. 

XXXX XXXX XXXX XXXX  XXXX  XXXX is the only address that should be located on my credit profile.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Federal request for payment history and records adequate information student aid loan was transferred from student aid loan.gov to new financial server XXXX financial server inaccurate data was reporting to all three credit bureaus incomplete information balances payments and terms letters were sent out to financial institutions studentaid.gov receive dispute letters were forwarded to XXXX financial server on XX/XX/year> three to four months pass steel no 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
b'I was called by this company regarding a Medical Debt from a Collection Agency. \nLockhart, Morris &Montgo \nXXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXXn I have asked repeatedly the actual bill from this Hospital. I have had several payment plans with this XXXX XXXX XXXX XXXX ( easily verified ) I have had several issues with this Billing Department where they update their computer system and all payment plans are erased and to register again. Which I have done and can be verified. I have a plan now that was $ XXXX  and is now $ XXXX  auto debit set up. I would not ignore this bill. I had insurance at this time , I still have same insurance. Ive always paid co-payments , deductibles etc Ive asked for the insurance submission and ignored. \nThis Company has called my landlord and his wife and their XXXX  children. Imagine my embarrassment. They are harassing and failing to provide information. Ill gladly if verified this debt is accurate and add to my account balance , if I could just get confirmation the debt is valid. I dispute this. The Debtor cant talk to me to resolve because it was sold to this Debt Company whose tactics are despicable.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) Account Number : XXXXXXXX XXXX XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account

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 2025-04-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: MO

Complaint narrative:
I have opened a previous complaint with CFPB regarding Sezzle debiting my bank account nearly {$300.00} after I revoked authorization via email weeks prior. Sezzle responded on XX/XX/XXXX stating they will mail a paper check if I provide my mailing address but if I don't provide my address by XX/XX/XXXX then the matter will be closed. I emailed the same day, XX/XX/XXXX, providing my mailing address and asking for confirmation of receipt. I never received a response. Approximately XX/XX/XXXX, I submitted a ticket through the Sezzle app containing my mailing address and again asking them to confirm receipt. It is now XX/XX/XXXX and they have not confirmed receipt of my mailing address and I have not received a paper check refund of money they illegally and unlawfully debited out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
XXXX still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Transunion is reporting misinformation from errors after Transunion 's previous disputes resolution XXXX resolved all issues of late payments previously reported in error XXXX XXXX XXXX and removed all issues of late payment errors. 

On XX/XX/XXXX Transunion 's Dispute resolution XXXX updates my account from XX/XX/XXXX - XX/XX/XXXX as CURRENT and all of XXXX errors of late payments was removed by Dispute resolution XXXX and dispute updates are to be permanent. See attached Transunion Dispute resolution XXXX XX/XX/XXXX In error Transunion reported XXXX XXXX XXXX accounts as late for XX/XX/XXXX which nullified their dispute resolution and made error updates which is again giving misinformation on my credit file which was previously corrected from XXXX XXXX XXXXXXXX account XXXX and wrongly reporting information of my payment history and cause a drop of XXXX point. See attached Transunion recent changes document. 

Due to glitches and errors with XXXX XXXX XXXX account I closed it, and even after doing that I am hit with another error that was previously corrected and updated, now in error back again causing me financial harm and stress due to these repeatedly misinformation on my Transunion credit file that Transunion pledged was resolved on XX/XX/XXXX. 

I request that the Chime/Stride Credit Builder be COMPLETELY REMOVED FROM MY CREDIT FILE due to continued, complexity of error reporting of misinformation over past 7 months as can be seen on dispute filings on Consumer Finance and Transunion, and lack of sure updates or corrective actions Transunion and account holder, at minimal make updates again and remove ALL late payments from XXXX XXXX XXXXXXXX account

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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Onemain financial has called 10 times in 7 days because I owe them a payment. This is literally my first time not having the amount for them. I don't have enough for a payment plan and I don't have the ability to tell them when I'll be able to pay. They are harassing me, calling twice a day for the last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
It is XX/XX/year> just after XXXX AZ time and I've spent the last XXXX hours simply attempting to transfer money out of my Citi checking acct. 

As all calls are recorded, I am requesting the past few hours ( from the time of this email ) be reviewed, and my money be immediately released and electronically deposited ( without fee ) to my external account as my access to transfers has been refused without reason. This will require a Citi executive to contact me personally for the account info as customer service, fraud, and a self proclaimed " manager '' were proudly unwilling to unblock my access to allow me to conduct any sort of transfer, despite claiming they had with absolutely no change in my experience. 

When trying XXXX, Citi accepts incoming payments but refuses ALL outgoing attempts. 

Citi attempted to blame fraud, even after fraud said there was NO ISSUE they could see. 

Citi attempted to blame my computer, even after I told them repeatedly it's the same on multiple devices. 

Citi attempted to blame the external bank, despite having the same results with multiple XXXX XXXX  accounts. 

I asked for the alleged card number for a card I don't have but that the account requires I input in order to conduct non-XXXX  transfers. I was refused this information. I reported the card as fraudulent to the self-identified fraud team and requested it be removed as I don't have access and it is not valid. They refused to block, remove, or otherwise secure my account around this fraudulent card, and also refused to assist me in retrieving or resetting the also required pin. This is further willful blocking of my access to my funds. 

The issue is Citi 's system -- both human and non-human. Citi employees have refused to give me access to my money and it is recorded that wage theft among employees is rampant as not one person did anything at all to even begin to address the issue, resulting in willful withholding of funds, even after over an hour of verifying my identity at least a XXXX  times. 

Due to this withholding of my funds and preventing me from banking with Citi as agreed upon account opening, I now do not wish to bank with Citi and want all of my money transferred out of Citibank into my external bank account, and confirmation of my account closed. Please contact me immediately to set up an urgent 100 % fee-free electronic transfer of funds, closure of account, and written confirmation.

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 2025-04-22 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$22000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$570.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/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 2025-04-22 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: SC

Complaint narrative:
I am writing to formally dispute the following accounts and collections reported on my credit report. These accounts were fraudulently opened in my name due to identity theft, and I request that they be investigated and removed in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681c-2 ).

I have already taken steps to address the fraudulent activity, including filing a police report and submitting an identity theft report with the Federal Trade Commission ( FTC ). As a result, I am requesting that the following accounts be thoroughly investigated and removed from my credit report.

Below are the fraudulent accounts I am disputing : Fraudulent Accounts : XXXX XXXX  XXXX Closed XX/XX/XXXX I dispute this account entirely. It was fraudulently opened in my name, and I request that it be removed from my credit report. 

XXXX Closed XX/XX/XXXX This account was opened without my knowledge or consent and should be removed from my credit file as it was a result of identity theft. 

XXXX XXXX Closed XX/XX/XXXX This account was also fraudulently opened, and I dispute its legitimacy. Please investigate and remove this account from my report. 

XXXX XXXX Closed XX/XX/XXXX This account is another case of identity theft, and I am requesting its removal from my credit report. 

Fraudulent Collection Accounts : XXXXXXXX XXXX Amount : {$970.00} I dispute this collection account, as it pertains to a fraudulent account opened under my name. Please verify this debt and remove it from my credit file. 

XXXX XXXX Services Amount : {$1000.00} This account is the result of identity theft. I request that it be removed from my credit report. 

XXXX XXXX Amount : {$840.00} This collection is linked to a fraudulent account and should be removed. I dispute the validity of this account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am disputing inaccurate late payments reported on XXXX of my DEPTEDNELNET accounts across Equifax, Experian, and TransUnion. They have different names. On Transunion it's DEPTEDXXXX. On Experian it's DEPT OF EDUCATIONXXXX. On Equifax it's DEPT OF ED. Each account shows XXXX late payments that I believe are inaccurate or misreported. I submitted disputes to the credit bureaus, and the data furnisher verified the information without what I believe was a reasonable investigation, potentially violating FCRA Section 611 and 623. 

In some cases, the accounts report inconsistently between bureaus, which indicates the data is not being furnished properly. Additionally, some of these late payments may have occurred during a period of forbearance or deferment, making their reporting legally questionable. 

I suspect that the data furnisher responded to my disputes using the XXXX XXXX XXXX  ( meets FCRA requirements ) without a proper reinvestigation. This blanket verification approach is insufficient under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau review this issue and assist in getting these late payments removed or corrected, and ensure the furnishers and credit bureaus are held accountable for accurate reporting and lawful dispute resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am disputing inaccurate late payments reported on XXXX of my DEPTEDNELNET accounts across Equifax, Experian, and TransUnion. They have different names. On Transunion it's DEPTEDXXXX. On Experian it's DEPT OF EDUCATIONXXXX. On Equifax it's DEPT OF ED. Each account shows XXXX late payments that I believe are inaccurate or misreported. I submitted disputes to the credit bureaus, and the data furnisher verified the information without what I believe was a reasonable investigation, potentially violating FCRA Section 611 and 623. 

In some cases, the accounts report inconsistently between bureaus, which indicates the data is not being furnished properly. Additionally, some of these late payments may have occurred during a period of forbearance or deferment, making their reporting legally questionable. 

I suspect that the data furnisher responded to my disputes using the XXXX XXXX XXXX  ( meets FCRA requirements ) without a proper reinvestigation. This blanket verification approach is insufficient under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau review this issue and assist in getting these late payments removed or corrected, and ensure the furnishers and credit bureaus are held accountable for accurate reporting and lawful dispute resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: UT

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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